Because we are a specialist French mortgage broker, our French mortgage advice will get you the very best choice from the French property mortgages market. Even better, we don't charge a broking fee so you can use our specialist knowledge of French mortgages to get the best French mortgage rates without it costing you a penny.

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Once they decide to buy a property in France the first question that most people ask themselves is "Does the house come before the French mortgage or does the French mortgage come before the house"? Should they first find their dream home then try to arrange a French mortgage and risk being disappointed or should they try and arrange an "in principle" French mortgage on a property they haven't yet found then search for a property, French mortgage in hand?

In practice neither approach is very satisfactory. Finding the house first makes it very much easier to fill in the French mortgage forms but if you then can't get a French mortgage the disappointment would be considerable. Finding the French mortgage first is often not possible because most French mortgage providers have difficulty in offering French mortgages on something you can't describe to them because you haven't yet been found it. What should you do?

The Best French Mortgage answer is simple and typical of French pragmatism: the French Mortgage Pre-Approval Certificate. What we ask you to do is to complete a French mortgage application form describing the type of property you will be looking for. For example, if you are looking for an old farmhouse to renovate say just that, stating how much you think the property and the renovations might cost. We at Best French Mortgage will then process your application as if it was a full French mortgage application and we will tell you if we would "in principle" be able to help you arrange a French mortgage and on what terms. We will also tell you the maximum French mortgage a lender would be able to advance to you on the type of property you describe.

Better still, we will arrange for the lender to issue a pre-approval French mortgage certificate. This will enable you to be confident that when you find your dream home, provided it is broadly as described in your application, you will be able to take the French mortgage you need. You will be clear as to exactly how much you can afford to pay for your French property and what the monthly French mortgage repayments will be. The best news is that it will enable your estate agent to be sure that he is dealing with a serious buyer who has already arranged the funds to make the purchase and not a "time waster" with a dream but no serious intention to buy. That way you will get much more enthusiastic help from the agent, get to see the best properties and get the keenest price as you are in the same position as a cash buyer having already pre-arranged your French mortgage. With a French mortgage pre-approval certificate in your back pocket you can be sure that you will have the best available mortgage terms, will get the maximum help from your estate agent and will be able to sign the compromis de vente (the equivalent of an exchange of contract to purchase) as soon as you find your dream home. No risk of losing the property to someone else while you go off to arrange your mortgage.

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French mortgages are similar to those you might be used to back home but they do have some important differences.

Firstly, you can opt for a fixed or variable rate for the whole of the French mortgage's term. Certainly the variable rate may be a fraction lower but as we all know interest rates go up and down over time and 25 year French mortgages with a higher rate may well be a better long term investment than French mortgages with a lower current variable rate but which might rise appreciably over the next 25 years.

Secondly, French mortgages can be granted on the security of your income. This makes it much easier for you to borrow for DIY restoration projects because in these circumstances the lender will be more interested in your ability to repay the loan from your income than the value of the property. It also makes it much easier to finance restoration projects, property extensions, property conversions and swimming pools to name just a few of the projects we have arranged finance for.

Thirdly, because French mortgages can be granted on the basis of your home country income there need be no restrictions on how you use the property so if you plan on offering your French home for holiday rental or even on a "buy to let" basis you should encounter no difficulties.

Finally, it is a French legal requirement that all French mortgages are protected by a mortgage protection policy and we will help you arrange the best policy for your individual circumstances.

Our dedicated team can provide all types of French mortgages: home and second home purchase, re-mortgages, equity release , buy to let and buy and leaseback French mortgages.

We at Best French Mortgage are specialists in the French mortgages market so we will almost certainly be able to find the best French mortgage for you.

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You have an existing French mortgage and you feel that the mortgage you have no longer suits your needs.

Perhaps you need to increase the French mortgage to fund a renovation, extension or addition such as a pool.

Perhaps you are on one of the variable rate French mortgages and would like to fix your French mortgage rate at today's interest rate level.

Perhaps you have are on one of the fixed rate French mortgages and would like to re-mortgage to take advantage of lower current rates.

Whatever your reason for wanting to re-mortgage, Best French Mortgage is your ideal partner. Best French Mortgage are able to find today's best French mortgages: French mortgages that exactly match your needs.

Moreover, Best French Mortgage will take care of everything, including the termination of your old French mortgage and the transfer to your new French mortgage and if necessary help with insurance and the opening of a bank account. What could be simpler or easier?

Why not put Best French Mortgage to the test? Fill in the online application form and see if Best French Mortgage can improve the terms of your French mortgage - We probably can!

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The French mortgages market has changed dramatically over the last few years and there are many new and very competitive French mortgages on the market. Whilst in the past many French mortgages were only granted on short and restricted terms, sometimes as short as 15 years, in today's market much longer French mortgages are possible.

With today's attractive interest rates for French mortgages you may well be able to re-finance your French mortgage with a much lower monthly payment.

What's more, if you rent your French home as a Gîte or holiday flat, Best French Mortgage may be able to arrange for a monthly repayment level to match your rental income making your French home "cashflow neutral", so your French home pays for itself.

If you would like to reduce your French mortgage monthly payments just complete the Best French Mortgage online French mortgages application form specifying the amount you would like to pay each month and Best French Mortgage will do the rest.

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French property prices have risen dramatically in recent years, in some places faster than the price rises seen in the UK, USA, Ireland and Australia. Because of the French inheritance laws, many people worry that the value locked up in their French house is "quarantined". With an equity release French mortgage value that can be realised in their lifetime.

With a Best French Mortgage equity release French mortgage, it is possible to unlock much of the increased value of your property. What's more, if you let the property for some or all of the year, the equity release French mortgage used to release the capital can be "self-financing" and tax deductible.

To find out more about Equity Release French Mortgages, complete the Best French Mortgage online application form and let Best French Mortgage do the rest.

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Buy and leaseback properties are often to be found in popular tourist locations in a “Résidence de Tourisme”: on the coast, in the mountains or in cities such as Paris. Equally they may be found in big cities as University student lodgings.

A buy and leaseback property may be a townhouse, an apartment or a chalet, depending on location.

Your buy and leaseback property is a freehold property which you own outright and lease back to a management company, in return for a guaranteed index-linked income during the leaseback period, which is usually 9 years. Depending on the individual scheme you may be able to reserve some free weeks in your own property, or benefit from discounted rental. The management company takes care of finding rentals, looking after your property and the shared facilities (such as a swimming pool). New buy and leaseback properties are usually sold “VEFA” or off-plan. Furniture, together with kitchen and bathroom equipment, is often included in the price.

For qualifying developments, you are entitled to reclaim the VAT charged on the purchase (currently 19.6% for new-build) and we can arrange French mortgages with bridging loans to cover the time you are waiting for the VAT rebate. Interest on buy and leaseback French mortgages will only be charged on the amount drawn down, which depends on the completion stage of the building works.

To find out more, complete the Best French Mortgage online application form and let us, the specialists, do the rest.

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Buy to let properties are often to be found in popular tourist locations in a “Résidence de Tourisme”: on the coast, in the mountains or in cities such as Paris. Equally they may be found in big cities as University student lodgings.

A buy to let property may be a townhouse, an apartment or a chalet, depending on location.

Your buy to let property is a freehold property which you own outright. New buy to let properties are usually sold “VEFA” or off-plan and furniture, together with kitchen and bathroom equipment, is often included in the price.

For qualifying developments, you are entitled to reclaim the VAT charged on the purchase (currently 19.6% for new-build) and we can arrange French mortgages with bridging loans to cover the time you are waiting for the VAT rebate. Interest on buy to let French mortgages will only be charged on the amount drawn down, which depends on the completion stage of the building works.

To find out more, complete the Best French Mortgage online application form and let us, the specialists, do the rest.

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With UK mortgage rates set to remain higher than Euro mortgage rates for the foreseeable future, owners of French properties can switch their mortgage from high cost £ (Sterling) UK mortgages to lower cost € (Euro) French mortgages. By taking a low cost Euro Switch French mortgage on your French property you can use the funds liberated to pay off your higher cost UK mortgage. Simple and very cost effective!

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Over the years many people have had difficulty in obtaining French mortgages for renovation projects on a property in poor or even derelict condition when most of the mortgage sum was destined to be used for subsequent renovation works.

Particularly frustrating have been renovation projects involving the purchase of a rundown farmhouse with a range of outbuildings where the intention was to restore the main house as a home and the outbuildings as Gîtes to provide long term income for the owners.

Perhaps you know of someone whose dream was just such a renovation project but which, because it was "unfundable", never got off the ground?

With Best French Mortgage these projects are simple provided you can prove you have separate income from which you can repay the renovation project French mortgage. We can normally help you finance your renovation project quickly and easily. Complete the online Best French Mortgage application form giving details of your project and we'll do the rest.

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One of the beauties of a French house is that there is often enormous scope property improvement and extension. Loft conversion to make extra rooms, outbuildings to bring back into use, space to build, etc. The list of improvement and extension opportunities is almost endless.

If you have an improvement and extension project in mind and would like to know if you can obtain a French mortgage to pay for the improvement and extension work just complete the Best French Mortgage online application form giving details of the project. We might even be able to refinance your existing French mortgage on better terms or help you release equity from your property at the same time.

To Best French Mortgage funding a swimming pool is really no different to funding any other improvement and extension project and we are highly likely to be able to fund your pool project far more affordably than if you were to take out a personal loan provided that the project is sufficiently large.

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