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Overseas Mortgage Broker
Overseas Mortgage Broker

Overview of Overseas Mortgages in France

France Mortgage
Rates Available From:
2.00% depending on LTV
Currencies Available:
Minimum Loan Amount:
Minimum Property Value:
Maximum Term:
25 years
Maximum LTV (Loan-Value) Ratio:
Maximum DTI (Debt-Income) Ratio:
Repayment Methods Available:
Capital & Interest
Interest Only
Loan Purpose:
Equity Release
Type of Loan Available:
Holiday Home
Holiday Let
Main Residence
Off Plan
Stage Release

What does all this mean?

Loans in France are available from €50,000 and the minimum value of the property (or purchase price) should be €60,000.

Banks will lend over a maximum of 25 years and interest rates start from 2.5% p.a. although this varies depending on the LTV.

The maximum amount they would lend is 85% of the value or purchase price.

Lenders calculate affordability for the loan by stating that the maximum percentage of all loan repayments (including the new mortgage, current mortgage and other loans) should be 33% of your net income.

Please feel free to use our mortgage calculator to see what your monthly payments may be.

Important Note: This information is designed to only give you an indication of what you may borrow and under what terms. It does not constitute any form of advice, nor does it imply that you will be able to borrow the amounts required. In all cases you should carry out a full Fact Find and obtain an agreement in principle from the lender. Please choose to either request a quote for a mortgage in France or complete the more comprehensive pre-qualification form to see if you already qualify for a French mortgage.