Apply for a loan

Once you have found the property, signed the preliminary contract (with a withdrawal clause -"Condition Suspensive") and paid the 5-10% deposit, you have 10 days to apply officially for a loan and generally 40 days to obtain a written offer from the French mortgage lenders .

Types of loans

There are several different types of loans available either fixed or variable or a "combination of both. Generally, French mortgages

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Pre-approval

Pre-approval indicating the maximum loan amount acceptable can be obtained from us by filling in our application prior finding the property. Obviously, this agreement

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Life cover

For the majority of french mortgages, mandatory life cover must be taken out.

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French banks

In order for the bank to process the french mortgage application, you must provide proof of income and proof of savings

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Joint purchase

Joint purchase of the property requires joint borrowing with most French mortgage lenders consequently, joint income and liabilities are included

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Paper work required

If you can provide all this information it will often save valuable time to get a decision.

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Maximum LTV

The maximum loan to value varies from one bank to another but we can find up to 110% of the purchase price or valuation for tax residents of France and 85% for non-residents . 

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The loan offer

Following approval of your French mortgage, you will receive an offer letter which gives details of the terms and conditions relating to your particular loan.

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