Our aim is to offer you the most complete selection of mortgage products available to non-French residents and we work with over 20 of France's top lenders.

Due to the ever changing nature of the mortgage market, the mortgages outlined on this page are just a small selection of typical rates and types of mortgages we can offer you.

Equity Release:
Please contact us directly for our latest deals on equity release mortgages in France

Leaseback Deals
As well as the 100% mortgages, we have various other mortgages available for leaseback purchases including:

- 100% of the property price ex VAT, fixed or variable up to 25 years term. Ideal for when the developer advances the VAT!

- 90% LTV mortgages where you can keep the VAT once it is reimbursed (available as variable or capped rates)

- 80% mortgages which cover the VAT Inclusive property price, furniture and notary fees up to 30 years term.

- Interest only up to 80% of the property price including VAT, even when the VAT is being advanced!

- Fixed rate mortgages for up to 40 years!

Again, these are just a handful of the mortgages we can offer - we work with over 20 of Frances top lenders enabling us to broker the most suitable mortgage for you! Please contact us today with your criteria.

Traditional Property Purchase
Includes all of the above examples as well as fixed rates, equity release mortgages, cash out, renovation and 100% LTV variable rates.

Highest Possible LTV : 100 - 110%
Available on leaseback or traditional property purchases, this mortgage will cover 100% of your property price (and furniture for leaseback purchases) as well as notary fees. A duration of up to 25 years is available.

The mortgage is a repayment mortgage and functions with a life savings account to which you must transfer 20% of the property price for the duration of the mortgage. If you are purchasing leaseback property, then an initial 5% needs to be deposited and then a further 15% once you have received the VAT rebate. If you are not purchasing leaseback then you must place 20% of the price into the contract from the beginning. The funds are then invested into a Euro fund expected to earn in the region of 3.5% - 4%. Once the mortgage is paid off you are free to withdraw all the funds from the life savings account.

Please note that these examples are non-exhaustive and there are many more mortgage products available at any given time. If you wish to obtain more information and a decision in principal, please complete our decision in principle form.