To save time, use the following checklist to see if you meet the standard French Mortgage eligibility criteria for all French mortgage lenders:
I am aged between 18 and 64
I wish to borrow over €150,000
I do not spend more than 33% of my monthly income on contractual debt (mortgage, rent, car loan, credit card balance). Use our guide to work out if you meet this requirement
I am not classed as a French resident for tax purposes
The property I wish to finance is a habitable residential property, rather than a commercial venture (such as a B&B, gite, campsite etc) or a chateau
If a business owner or a sole trader I can provide 3 years’ worth of tax returns and accounts
I want to borrow a maximum of 85% of the purchase price
I do not have bad credit history and I do not regularly exceed my overdraft limit
If you can say yes to all the above, please check out our guide and use our French mortgage calculators to work out your budget.
If you are planning to purchase this year, please complete our quote request form. It will take less than 10 minutes to complete (as long as you have the information detailed below to hand) and we will be in contact with you within 24 hours with a personalised, no-obligation quote and to discuss your options. The more information you are able to provide us at this stage, the quicker we can assess your options.
If you aren’t looking to purchase until 2021 or beyond, please sign up to our newsletter and get back in touch with us around 6 months before you are looking to buy.
Please be aware that some mortgage products may have additional specific eligibility criteria, which we can discuss with you once we have received your form.
Request a quote form – information to provide:
The form will be asking you about your personal and financial situation, including questions concerning your (and if you are applying with a partner), their:
- employment status
- annual income, including bonuses and rental income (if applicable)
- assets and liabilities such as the value of any property you own and the balance remaining on any mortgages
- monthly outgoings including mortgages, car finance and personal loans
Completing our form will not impact your credit rating; the information is used by our French Mortgage Consultants to assess the affordability and suitability of the French mortgage products available to non-residents to your individual circumstances.