As R. B & G are the ONLY REGULATED FRENCH FINANCIER in the UK who ha to give you best advice when arranging French Finance, this gives you the assurance that the interest rates given on this page is true and correct when published.

The French use the Euribor rates unlike the UK banks who follow the Libor rate, which currently is higher than the Euribor. On this premises when people look at the base rate, they often make the mistake of thinking banks buy and lend on the base rate, hence the difference between the mortgage rate when the base rate decreases.

R. B & G FINANCES are regulated by ORIAS as independent French Financiers and are insured under French Law in giving you BEST ADVICE

Euribor rates

FRENCH INTEREST RATES

The French Lenders choose their rates differently , for a purchase or re-mortgage the rate can be lower by as much as 1% compared to a French equity release Mortgage.

Currently there are lenders prepared to allow over 40% of available income where in most cases they will only accept 33% and will also allow a mortgage term to run up to the age of 85 years of age.

MORTGAGE INTEREST RATES
Type = IO Interest Only - C&P Capital & Repayment - DEF Deferred Rate
Facility	TYPE	LTV	TERM	AGE	%
Equity Release & Purchases min 250,000 euro	IO	50%	240	80	2.40%
Equity Release & Purchases min 250.000 euro	IO	70%	240	80	2.69%
Equity Release & Purchases min 100,000 euro	IO	70%	240	80	3.95%
Residential & Holiday Home min 50,000 euro	C&P	80%	300	80	2.20%
Residential & Holiday Home min 30,000 euro	C&P	90%	480	80	2.85%
Equity Release min 100,000 euro	IO	80%	240	80	3.75%
Equity Release min 50,000 euro	C&P	70%	300	80	3.75%
Construction Finance min 50,000 euro	DEF	100%	300	80	3.75%
Bridging Finance	DEF	70%	24	70	3.50%

There are many aspects to consider when arranging finance, one of the most important is to avoid taking out a mortgage with the same bank you intend to use for your personal banking needs for the following reasons -

• They are normally very expensive
• The bank will also sell you insurance policy's when there could be more suitable options on the market.
• Once the bank has your mortgage and private banking you will limit your options should you choose to refinance in the future.