French Private Finance

We know that you are seeking the best experience and so French Private Finance will not require any introduction fees (except for mortgage broker fees). The benefit of these services is not conditional on a mortgage application. We want you to enjoy the process and get reliable providers in France.

Purchasing a property often implies a mortgage application. This is especially the case concerning non-residents who are seeking low fixed rates combined with a long duration and high LTV. So, why not helping them obtain a French Mortgage by introducing them to French Private Finance? Through the many years, we met plenty of different types of profiles and it is safe to say we know the market.

This amount includes the equity you place into the property and an estimation for the additional fees and taxes. Any amount in this box is an estimation of the amount a bank may wish you to place with them for this type of product. It may be pledged for the duration of the loan. Fixed rate for the term.

By taking out a mortgage in France, you will also have to pay mortgage registration tax which varies depending on the loan amount, but as a rule of thumb will be 1.5% for a new build property and perhaps only 0.75% or less for an existing property using a "PPD - Privilge de Prteur de Deniers". This is included in the Notaire's breakdown.

The product our client was looking for is not really commun. I would even dare to say it is extremely rare amongst retails banks, a bit less with private banks. Unfortunately we could not use the help of our private banks as the property is Off Plan, which is not favoured by them.

We sent over 6 years of accounts to prove that the business he was a partner from was financially sound and put forward the job stability to override the lending policy.An interest only mortgage was the best fit as the monthly cost is significantly smaller compared to a capital repayment mortgage which allows the client to take other mortgages to invest in other properties.