French mortgages
for non residents

Mortgage advice with a 95% approval rate

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Why us

French mortgages made easy for non residents

Buy your dream French property without the stress with our expert guidance.

95% approval rate

Secure your French mortgage with confidence and ease.

Bilingual team

Seamless mortgage process with expert bilingual support.

Over 17 years experience

Expert guidance ensuring a smooth, stress-free mortgage process.

Award-winning broker

Winner of Best Specialist Mortgage Broker at the British bank awards.

Our process

French mortgages, minus the confusion

With over 17 years of experience, local connections, a bilingual team, and trusted lenders, we make securing a French mortgage simple for UK residents. Whether for a holiday home or a permanent move, we handle the details so you can buy without the stress.

1
Speak with a French mortgage expert

We gather your personal and financial details, provide a no-obligation, tailored mortgage quote, and access exclusive deals. Our expertise ensures you get the best rates, saving you time and money.

2
Guided help for your application

Once you proceed, a bilingual dedicated consultant will guide you through the process, ensuring the process is smooth for you hundreds of miles away from your future new property.

3
Ongoing support & completion

We manage communications with banks, notaries, estate agents, and others, ensuring all legal and administrative tasks are handled efficiently, relieving stress on you as a non-resident.

Our reviews

What our clients say about us

We’ve spent years securing French mortgages for non residents. Here are some examples of happy clients who can tell you how we ensured they could purchase abroad, stress-free.

"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.

"I don't think we would have stuck it out without them. "

IPF made this whole process significantly easier for us. I don't think we would have stuck it out without them. Natalie and her team were with us every step of the way, fast in replying and answering questions and super supportive even when we were having a bit of a meltdown about the process. Initially we were very skeptical about having to pay so much for what we essentially thought was going to be a simple "mortgage broker", but they turned out to be worth every penny. They did so much more than broker the mortgage. They guided, advised, cautioned and just generally held our hand through the entire process. I couldn't recommend them enough and thank you so much for everything.

"Cannot recommend IPF highly enough"

Cannot recommend IPF highly enough, we had spoken to our French bank regarding a mortgage and very quickly came to understand the complexities involved with a UK > France mortgage application.Our estate agent thankfully suggested that we contact IPF. From the outset IPF made the whole process seamless and painless, they found the most suitable product, guided us through the application and dealt with all the arising questions that came from the French lender.Thank you to all the team at International Private Finance for helping us purchase our dream home in the Alps.

"Always on hand to offer advice and reassurance"

Natalie Knibbs and the team were simply amazing. They helped us through a complex process, making it as simple as possible. Always on hand to offer advice and reassurance yet setting realistic expectations.We could not have done it without them. Anyone considering a move abroad to France or Spain etc needs to reach out to IPF. Thank you to them for helping us realise our dream.

"We would highly recommend the service"

We would highly recommend the service provided by International Private Finance. After trying and failing to obtain a mortgage through another mortgage advisor, we reached out to IPF. Their communication throughout the process was fantastic and the whole team were always on hand to provide an update. We obtained a successful outcome for our mortgage in France and we owe this to the great work of the team at IPF.

"We would highly recommend the fantastic team at IPF"

We would highly recommend the fantastic team at IPF and anyone looking to obtain a French mortgage should look no further! After being turned away from other companies, we were losing hope about whether we could achieve our dream of owning a home in France, but we shouldn't have worried as IPF came to our rescue! The whole team was incredibly professional and always quick to respond whenever we had questions. They made the process clear to us from day one and they took away a lot of the stress and worries we had. We really couldn't have done it without them, and we are incredibly grateful for all their support throughout. Thank you very much to the whole team!

Latest Rates

French mortgage rates

International Private Finance has exclusive access to some of the best French mortgage rates on the market, unavailable if you went directly to lenders. Once we know more about your circumstances, we can recommend the best rates available to you. The table below outlines the latest general 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

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