Best French Mortgage
Professional Independent Reliable
Our French mortgage rates are great value, starting from as low as 1.05%.
We always search the whole market to find you the best product, thus you get the very best possible value.
Renovation mortgages are available with a minimum amount as low as €75,000.
How We Are Different
We understand that purchasing a property in France is not an impulse buy, but a long-term investment. When it comes to financing your purchase, you need to take a long-term view. Therefore, we will find you the best and the safest long-term financing option, not simply this week’s special “deal”.
We believe our values matter and that’s why we list them on our front page. We hope our values are why you will choose to work with us.
Experienced – We offer the most professional and personalised advice in the market, based on the wealth of specialist experience we have gained since 2004.
Ethical – We always offer you the best option for your individual circumstance. Furthermore, we never just select the mortgage with the best broker commission.
Cost-Effective – We charge you no fees. Therefore, you save money whilst also benefitting from the best and most personal service.
Fast – Same day quotations are our standard. So, if you’ve found a property or are just leaving on your house hunting trip, you will quickly know how much your mortgage will cost.
Efficient – Same day pre-approval is our target. Therefore, if you have signed a sales contract, you will get a decision within the 10-day cooling off period.
Personal – Your broker will be a highly experienced and professional named individual. Furthermore, we guarantee the same individual will handle your dossier from start to finish.
Reliable – We are an English based family business with deep roots in France.
Finally, we are duly registered with the UK Financial Conduct Authority and the Bank of England Prudential Regulation Authority.
How France Is Different
If you are familiar with the Anglo Saxon financial services industry, or have read John Kay’s book “Other People’s Money”, we hope France will give you a pleasant surprise.
Because the market is smaller, you will find there very few lenders that will accept non-residents. This makes the market easier to understand.
You will also find that the range of products is narrower, though your options may still seem confusing.
In France, lenders don’t focus on “deals”, introductory offers nor offering short-term products which you will need to refinance after a few years. Neither do they take much notice of “credit scores”.
Instead, French lenders prefer to focus on supporting borrowers who can prove that they manage their finances responsibly.
They will look hard at your real DTI – Debt to Income – ratio. This can be a bit of a shock.
Firstly, they require income to be sustainable, auditable and fully tax paid.
Secondly, they will insist that debt liability is fully realised. For example, interest only financing will be recalculated to show what the underlying position would be on a repayment basis.
They will also be very cautious as to the LTV – Loan to Value – ratio they will accept. This is because, in France, there is generally very low house price inflation. In fact, in many areas prices are on a long-term falling trend. Consequently, as the lenders cannot rely on house price inflation to save them from bad lending decisions, they offer lower LTV ratios in many regions.
… and finally
We know that buying a house in France is a big decision, consequently not one to you will take lightly.
We will be there to help you overcome all those unexpected and frustrating events and get you through it all successfully. For the record, our longest case was an American client’s dossier which took the lender 19 months to approve!
What’s more, we understand the property market in France. We can even advise you on a fair price to pay for the property you’re considering.
Some clients come back for additional mortgages, others send us their friends and family. Most importantly, all say that they have enjoyed working with us and hat’s how we measure our success.