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Our Blog

French lending criteria to tighten

Following record numbers of mortgage approvals in France, an increase of 5.4% in 2020 according to the Deputy Director of the Banque de France, the French  authority figure responsible for ensuring financial stability in France (le Haut Conseil de stabilité financiere...

Not heard of the usury rate? That may change soon!

Once again bankers are faced with a headache, this time dictating how much they can charge in terms of mortgage rates. Ever since the European Mortgage Directive came into force a few years ago, French mortgage lenders have been battling between French and European...

Save €€€€’s on your mortgage life insurance cover

An essential requirement in order to obtain a French mortgage, the mortgage life insurance cover you take out with a French mortgage protects the bank and the borrower in case of death and total and permanent incapacity. Since 2010, the Lagarde law allows borrowers to...

Brexit residency card update

The expected launch of the new French government website for British citizens applying for Brexit withdrawal status residency has now been delayed. The new website will now launch on 1st October 2020 instead of 1st July 2020 due to the current sanitary crisis...

5 things to do to prepare for buying in France

Prequalify for a French mortgageBe better prepared for negotiations by being pre-qualified for a French mortgage prior to searching. Now is the ideal time to spend some time finding out how much you can borrow and what mortgage conditions could potentially be...

COVID-19

French mortgages are still available and banks are still working and making mortgage offers. The process is a little slower due to staff levels being lower than usual in the banks so please bare this in mind. French Mortgage Direct are still working and able to...

French government updating residency permit website

Now that Britain has left the EU, the French government is in the process of updating their system allowing British citizens to apply for residency permits in accordance with the agreement between the UK and the EU. Whilst Britain left the EU effective from February...