After the last 18 months had seen a significant reduction in the French non-resident lending market with around 80% of lenders withdrawing from the market, we are really encouraged to see a much more positive start to 2024. Here are some of the highlights!

  • Appetite for Lending has increased
    • Options for US citizens, Self Employed borrowers, lending to individuals.
    • Strong signs for further improvements in 2024 as more lenders return to the market.
  • Rates Jan 2024 – we have seen a drop in rates from all our lenders. Here is an indication of what is available:
    • Max LTV 85% on repayment for SCI/SARLS (rates from 4.80%, 15 years)
    • Max LTV 85% on repayment for individuals (rates from 4.02%, 15 years)
    • Max LTV 75% on Interest Only (rates from 4.90%, 15 years)
  • IPF Bucks the trend, with the lending market being so restricted the perception is that French mortgages are hard to come by, but we are the experts in helping non residents navigate the French lending market. The criteria in France is incredibly strict, and as so our expertise is key in achieving a successful outcome. An incredible 40% of mortgage applications are refused in France – In 2023 our success rate was 94%.

31 Jan 2024

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