French Mortgages, Loans & Finance

French Mortgages are similar only in name to the UK financing world as the French Mortgage Lenders who are are governed by strict rules and regulations in order to ensure that the consumer which is there to protect YOU.

For this reason most clients often make numerous mistakes when applying for a mortgage in France leading to them being penalized and turned down by the lender if the application is not correctly presented under French Finance guidelines.

The other major problem is once turned down by a French lender / bank it is then impossible for anyone to re-apply to that lender / bank again even if circumstances have changed.

French Lenders

The banks are regulated by the government in order to protect you the consumer from indiscriminate lending.

French Lender / banks who do not comply with the regulations will become totally liable for the French Mortgage and maybe struck off from lending again.

French Mortgage Facilities

• French Fixed Rates on Mortgages, being 1, 3, 5 or total term.
  • Please remember that when taking out a French fixed mortgage with any FRENCH MORTGAGE LENDER that you will be liable for a 3% redemption fee during the fixed period.
• French Capital & Re Payment Mortgages
• French Interest Only Mortgages
• French Mortgages up to 40 years or a maximum of 85 years of age
• French Mortgages up to 115% LTV on purchases for French Residence
  • This is for people who pay French Taxes and are resident in France, otherwise the maximum LTV is 85% including immobilier fees bringing the total LTV to 92% LTV
• French Re-Mortgages up to 85% LTV
• French Equity Release Mortgages up to 70% LTV
• French Bridging Finance up to 70% LTV
• French Land Loans up to 80% LTV plus 100% of the
• French Construction Finance