French mortgages
for non residents

Mortgage advice with a 95% approval rate*

International Private Finance is a mortgage broker, not a lender.

Important Disclosures:
A fee may be charged for mortgage advice (actual amount depends on circumstances). We also typically receive a commission from lenders. International Private Finance Limited (Co. No. 06292950) is authorised and regulated by the FCA (reference number 726230). Typical approval rates are based on past clients; individual outcomes vary and are not guaranteed. Your home may be repossessed if you do not keep up with repayments on your mortgage.

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Why us

Helping US buyers navigate French mortgages with ease

Get expert help to buy a French property.

Typical 95% approval rate

We help many clients secure French mortgages, even when others can’t.

Bilingual team

Relieve the stress of language barriers with expert bilingual support.

Over 17 years experience

We have experience and connections to find competitive rates.

Award-winning broker

First-class help from “Best Specialist Mortgage Broker” winners.

Our process

Simplifying the French mortgage process for non residents

With over 17 years of experience, local connections, a bilingual team, and a panel of reputable lenders, we help you explore competitive French mortgage options. Whether for a vacation home or a permanent move, our team supports you throughout the process to make buying easier.

1
Speak with a French mortgage expert

We gather your personal and financial details to provide a no-obligation, tailored mortgage quote and access a range of competitive deals. Our expertise helps you explore suitable options efficiently.

2
Guided help with your application

Once you proceed, a dedicated consultant will support you through the mortgage application and property purchase, helping manage the process and address all necessary details - valuable assistance while you’re in the USA.

3
Ongoing support & completion

We coordinate communication with banks, French notaries, real estate agents, and others to help manage legal and administrative tasks, supporting your purchase process from start to finish - especially important for non residents.

Latest Rates

French mortgage rates

International Private Finance offers access to a broad range of competitive French mortgage rates - including deals that may not be available directly from all lenders. Once we understand your circumstances, we can help identify rates that may suit your needs. The table below provides an overview of general current French mortgage rates.

Type of mortgageMax LTV (Term)Starting Rates from **Interest onlyMonthly payments *Request Quote
Fixed85% (15 years)3.95%No€3,686
Fixed85% (20 years)4.10%No€3,056
Capped Variable80% (10 years)3.88%No€5,034
Fixed70% (15 years)3.20%No€3,501
Fixed70% (20 years)3.40%No€2,874
Fixed70% (15 years)4.95%Yes€2,063

* Monthly payment is based on a loan amount of €500,000
** Lower interest rates may be available if you do not require the maximum LTVs (loan to values)
This information should only be used as a guide. The products mentioned here are for non-resident clients, other products will be available for residents. The choice of interest rate and product terms will depend on your circumstances and the amount of the mortgage. Before you make a mortgage application, we will carry out a full review to establish your needs and preferences and if you meet the criteria, we will give advice and make a recommendation to you. There will be a fee for our mortgage service. All mortgages are subject to status. Please note that all products show an indicative rate only and may not be suitable for you. You must be 18 or over.
For a personalised French mortgage quote please contact us directly or submit your information online.

Information provided by www.internationalprivatefinance.com and is correct as of 20/02/2025

Your home may be repossessed if you do not keep up with repayments on your mortgage

Check your eligibility today!

Take the first step towards owning your dream home in France—check your eligibility today, and let us guide you every step of the way!

Fiona Watts, Founder & Managing Director

Rated Excellent

34 reviews on

Google.com

Our reviews

What our clients say about us

We’ve spent years helping US-based clients purchase properties in France. Here are some examples of satisfied clients who can share how we supported them in finding suitable mortgage options for their homes.

"Unwavering support and expertise, every step of the way"

Unwavering support and expertise, every step of the way. IPF took the time to understand my international buying goals while providing very dedicated support to find the best mortgage for my needs. Their attention to detail was exceptional, in explaining various mortgage options and keeping my best interests in mind to ensure that I was making an informed decision. As buying abroad can be confusing, IPF was available to offer support about the steps involved and answered all of my questions. IPF's dedication made the purchase happen smoothly and their proactive approach ensured that no detail was overlooked.

"It has been a pleasure to work with such a knowledgeable and dedicated team of professionals"

We would like to express our sincere thanks to all of you on the IPF team for making it possible. We would never have been able to navigate the complexities of this process without your constant help and guidance, and we deeply appreciate the care, patience, and genuine support that you have provided at every stage. We are especially grateful for your efforts in securing our mortgage on such advantageous terms, which has helped to make the project all the more achievable for us. It has been a pleasure to work with such a knowledgeable and dedicated team of professionals; IPF have really come through for us, and we will gladly recommend your team to anyone we know in the future. Once again, many thanks to all of you!!!

"Thank you IPF, you really are amazing at what you do :)"

I could not speak more highly of the whole team at IPF. I mainly dealt with Fiona and Georgia, both of who were so responsive, helpful, knowledgeable and kind. I bought my dream apartment in Annecy, France without being able to speak any French (am learning!) and I am so sure I would not have been able to do it without their support and guidance. They put my mind at ease at every stage and the whole process went smoothly thanks to them. They are so friendly and kind (and patient with my 2808 questions). Thank you IPF, you really are amazing at what you do :)

"Top notch service!"

Natalie and her team at IPF made the process of securing a French mortgage for us extremely straight-forward. Natalie took the time to answer all of our (many) questions and guide us step-by-step through the application process. The fee structures were very clear from the beginning (and fees were very reasonable). We cannot thank Natalie and IPF enough for making our dream a reality. We would recommend IPF to anyone looking to secure an international mortgage. Top notch service!

"Thank you all for your help."

I just wanted to take a moment to thank you all for your help. I honestly don't think we would have made this happen without you!

"The service from the entire IPF staff was impeccable!"

In the past, we have engaged with several mortgage brokers across the US and some parts of Europe on multiple real estate transactions. Our experience with IPF well exceeded our expectations and was unmatched by any others by a huge margin! We were very impressed with IPF from beginning to end. Their website is informative, the consultation with Fiona answered all our questions, the IPF communication throughout the process was clear, and they closed with the lender thru the hectic holidays. Fiona was true to her every word and delivered on all her commitments. Every email was answered the same day! And when she was away from the office, Natalie was quick to pick up and fully knowledgeable of our case. The service from the entire IPF staff was impeccable! We truly felt that they have given our case the highest priority and gained our full trust. We will definitely employ their services at the next opportunity. Thank you IPF!!!