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The following information is provided to assist our clients in acquiring a French mortgage to purchase their chosen property. To receive more detailed advice, French mortgage information, free quotes for a range of French mortgages or a decision in principle, please fill out the French mortgage application form provided here.
French Mortgage range
Our chosen specialist mortgage brokers constantly strive to offer the most complete selection of mortgage products available throughout France for non-french and overseas residents. Due to this, the mortgages highlighted below are only a small selection of products offered. For more comprehensive information and the full list of French mortgages available to you, please use the French mortgage application form.
For clients looking to purchase a home in France or a French property for holiday and rental purposes, the following mortgages are available;
Application assessment
French lenders must assess how affordable it is for you to take on a French mortgage due to French consumer law. This is done by comparing your outgoings (mortgages, loans, credit cards, child maintenance, rent etc.) to your income. Under normal circumstances, providing your income out ways your outgoings (including the cost of the applied for mortgage) by 33%, your application should be successful. It is important to note however that each French mortgage lender will assess an application differently based on in-house policies and it is therefore impossible to predict the outcome of any application.
Life Insurance
Life Insurance must be taken out to cover 99.9% of French mortgages. Standard French procedure is to arrange this cover at the same time as the mortgage and many lenders will only accept application if this is the case.
Mortgage application timeframe
As with a UK mortgage, a large amount of documentation is required to process an application. Providing all the required documents are provided and the application is filled out fully, a mortgage offer will usually be made within 2 - 4 weeks.
For further free advice or to get the ball rolling with no obligation, please fill in the French mortgage application form available here.
For information on foreign currency exchange and how to convert your Pound Sterling into Euros, please click here.
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