Do I qualify for a French mortgage - country of residence is key
27 Jun 2025
27 Jun 2025
There are a lot of misconceptions amongst clients regarding the nationality versus country of residence when it comes to mortgage eligibility. We are often asked the question “Will it be easier for me because I have an Irish passport?”. Unfortunately the answer is no. While the nationality can play a role, it is the clients country of residence and more importantly the country of tax residence that carries the most weight with lenders.
Banks primarily assess a borrowers profile based on where they live and pay taxes. As part of the mortgage application process, clients will need to provide:
For the majority of lenders these documents must be in English, French, German or Dutch – if they are in another language certified translations may be required depending on the lender. In addition the LTV may be reduced and funds may need to be placed with the lender.
With more lenders returning to the non-resident market we have seen an increase in the different nationalities and countries of residence that we have assisted. Here is a summary:
27 Jun 2025
We are seeing tangible improvements in the French mortgage market.
3 Nov 2025
The ECB's decision to maintain interest rates at the same level since June 2025 means rates in France are fairly static.
24 Oct 2025
At IPF we go beyond simply arranging a mortgage. We work closely with you to navigate the often complex French Property buying process, giving you the best chance of success.
30 Sept 2025