French mortgages for homes and apartments

It's easier than you might think, use a low interest French mortgage to realise your dream of owning a property in France today!

We'll walk you through the process step by step and before you know it, you'll be enjoying your new French home.

  1. Contact France Home Finance to pre-approve for your French mortgage
  2. Find your property
  3. Sign a purchase contract
  4. Apply for your French mortgage
  5. Complete the sale transaction with the French notary

French euro mortgages for homes and holiday homes are currently available for 70% to 100% of the purchase price.

Other points to note :

  • Interest rates can be variable, fixed for a limited period or fixed for the entire duration
  • Interest only mortgages are available in certain cases
  • French life insurance is required to cover your French mortgage
  • Closing costs (stamp duty, taxes, notary fee, bank filing fee) range from 6 to 8% of the purchase price and are not financable
  • You will need to open a French bank account from which your mortgage payments will be debited


Testimonials

David Hulston, Sydney, Australia, Purchase of a Paris apartment

"After previously dealing directly with French banks, it was a welcome relief to use the services of France Home Finance ..."

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Resources

Best French Mortgage Rates

Find the best interest rates available on the market for your French mortgage here:

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French Interest Rate Indices

Check the latest Euribor and other key French mortgage rate indices here:

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French Property Outlook 2014

Prices soften, but not always on the homes or apartments you want to buy!

» learn more

2018 French Wealth Tax Changes

Here are the changes you need to know about:

» learn more
» see all resources
Case Studies

Buying a Piece of France - Tax and Legal Need to Know, November 2015

Leigh-Alexandra Basha, international solicitor specilized in France, explains the latest tax, legal and accounting evolutions in French real estate :

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Tax & Legal Aspects of Buying a Pied à Terre in France

Leigh-Alexandra Basha, international solicitor and expert on French property acquisition, explains what you need to know:

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» see all case studies