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Why us
Not sure if you qualify? You're in the right place.
Check your eligibility first
Understand your options before you apply.
Bilingual team
We liaise directly with French parties on your behalf.
Expert guidance
With over 17 years experience, we explain the process and your options in plain English.
95% approval rate
By matching clients with the right lenders, we maximise your chances of approval.
FAQs
Getting A Mortgage in France: Quick Answers
Find out more about what's involved in getting a French mortgage as a UK resident before you apply.
Can UK residents get a French mortgage?
Yes. Most UK residents can obtain a French mortgage. French lenders have different affordability and lending criteria to UK lenders, so checking your eligibility is the best place to start.
How much can I borrow?
French banks will lend up to 70-80% of the property’s value to non-residents. Your borrowing limit depends on the term length (usually capped at 20-25 years), your income, and the mortgage type.
How much deposit do I need?
You’ll typically need a deposit of at least 20-30%.
How long does it take?
Securing a French mortgage typically takes 2-3 months from start to finish. Delays can occur if documents are missing or valuations take time.
What documents do I need?
To apply, be ready to provide:
- Recent payslips or proof of income (last 3 months)
- Last 2 years of tax returns
- Bank statements (last 3 months)
- Passport
- Proof of deposit
- Details of other debts and outgoings
If you're self-employed, expect to supply business accounts and additional tax documentation.
Do I need a French bank account?
You don't usually need to have a French bank account before applying for a French mortgage. However, your lender may require you to open one as part of the mortgage process, for example to make your monthly mortgage repayments.
What fees do I need to pay?
Beyond interest rates on the mortgage, you’ll need to budget for:
- Notary fees: around 7–8% of the purchase price for existing properties.
- Mortgage arrangement fees: 1–2%.
- Broker fees: usually around 1%, sometimes included in the mortgage.
- Valuation fees: required by some lenders.
- Life insurance: mandatory with most French mortgages.
Why use a French mortgage broker over other options?
A broker is the preferable option for many over working directly with French banks or other options. A broker works on your behalf to find the best deals across multiple lenders and guides you through the process. They help you save time, overcome language barriers, handle paperwork and follow-ups, and ensure you find competitive, tailored rates.
Our process
How to get a mortgage in France
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.
Check your eligibility
Tell us a little about yourself and your property plans. We'll assess your circumstances, explain your options, and let you know which French lenders are most likely to consider your application.
Find the right French lender
Once you're ready to proceed, your dedicated bilingual mortgage specialist will help prepare your application, source the most suitable mortgage, and guide you through every stage of the approval process.
Complete your purchase with expert support
We'll liaise with French banks, notaries, estate agents and other professionals to keep everything moving smoothly through to completion, so you can focus on your new property.

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.
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.
* 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 12/12/2025
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!







