Refinance & Cash Out

Take advantage of the current low interest rates in France to refinance your existing mortgage or borrow against your equity to take cash out.


French remortgage
Take advantage of the current low interest rates in France. You can refinance your French mortgage to get a better interest rate or lower your monthly payments or switch to an interest only loan.
In France you can refinance up to 80% of the value of your French property with a minimum loan amount of 100,000 euros. Please note we are not able to offer remortgage for leaseback properties.

French remortgage with cash out
Refinance your French mortgage to get a better interest rate or lower monthly payments and take cash out to use for other projects at the same time.
The new loan amount must not exceed 70% of the value of your French property with a minimum loan amount of 300,000 euros. Please note we are not able to offer remortgage for leaseback properties.

Equity release in France
In France you can release up to 70% of the value of your French property in cash to use for other projects.
The minimum amount for equity release or a refinance with cash out mortgages is 300,000 euros. Please note we are not able to offer equity release for leaseback properties.

To qualify for a Refinance with Cash Out or French Equity Release mortgage, you must have a coherent confirmed project for the cash. For example :

  • Purchase of residential real estate outside of France
  • Renovation, interior furnishings
  • Purchase of car, boat, plane, works of art
  • Financing children's education

The first step is to have a local estate agent provide a conservative estimate for the resale value of your French property.
Even if the new mortgage payments are less than the previous payments, you must still financially qualify for the mortgage.

Note : Equity Release in France is not the same product as in the UK. The French product allows you to release funds from your French property that you will then pay back with monthly payments. It is not possible in France as a non resident to have a mortgage without monthly repayments until your death or the sale of your home, like in the UK.


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 2015

Now more than ever is the time to invest in Parisian real estate! We are in the midst of the perfect storm of a weak euro, low French interest rates and stable yet undervalued property prices (for the moment.)

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French Property Outlook 2014

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

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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