UK Nationals - living anywhere outside of France itself - up to 80% of the net price plus up to 80% of any estate agents' fees as a maximum for cases below €75,000 euros or 85% of any net price (excluding all fees) maximum for cases over €75,000 euros OR 80% of the net price and up to 80% of any estate agents' fees if higher (excluding Notaires fees).

Non EU Nationals - up to 80% of the net price plus up to 80% of an estate agents' fees (excluding Notaire's fees) maximum For clients, of any nationality, already resident, working & taxed in France itself - and who are buying their main home, higher mortgage percentage loans may be possible (i.e. 95% or even up to 100% in some cases).

Currently in the Euro currency only

Our minimum loan size is currently €50,000 and the minimum purchase price must be at least €75,000

For employed applicants, not normally beyond state retirement age unless there is adequate verified pension or investment income in retirement. Clients who are already retired may be able to secure a mortgage on the basis of pension income - terms assessed on an ad hoc basis, but cases below €100,000 euros are not normally considered. For self-employed clients - maximum term of 20yrs - provided this is not beyond age 75, (unless there is verified private pension income available, post retirement).

Repayment ("Capital & Interest") Mortgages with a purchase price (or 80% of the net price plus 80% of any estate agents fees, if higher) - up to 85% of the net for Non Resident clients, or up to 95% for clients already working and taxed in France at the time of the application

Interest Only - up to 80% loan to value for cases over €250,000 euros on full interest only basis, or a maximum of 80% for cases below this borrowing level, with Interest only for an initial period (maximum of up to 15 years) with full repayment over 10 -15 years, thereafter for any funds remaining outstanding after the initial Interest Only period (depends of scheme - details in request ).
IMD: Special Interest Only Investment Mortgage 100% Interest Only-with guaranteed tax efficient investment bond payments full detials on request

Mandatory - Life cover for the full amount of the loan (plus an allowance for exchange rate movements / term alteration on a non euro policy) is required as a condition of mortgage.

Variable, Fixed and Capped rates available: Please note, for variable rates mortgages the convention in France is not to alter the monthly mortgage payments where possible but to reflect changes in rates by altering (i.e. extending or shortening) the mortgage term itself. (certain limits apply, as this is not an open ended situation).

• Construction
• Interest Only
• Capital Repayment
• Off Plan
• Leaseback/Residence du Tourisme
• Equity Release
  

Mortgage Application Fee: We charge a non refundable fee of £349/€495 for every application submitted to the bank.