Rates remain steady

What's available now?

24 Oct 2025

At the last major ECB announcement on 11^th September interest rates remained unchanged, with the next announcement scheduled for 30^th October. This month, we are focusing on mortgage products available for International Buyers, highlighting the competitive options borrowers can access:

Up to 85% LTV at 3.95% for a 15 year fixed term
Up to 70% LTV from 3.25% for a 15 year fixed term
Maximum loan term available is 25 years

To put this in perspective, the average 5 year fixed rate in the UK currently stands at 4.56% (Source: Rightmove) while the average 15 year rate in the US is 6.64% (Source: Freddie Mac). For clients raising funds against their US property to buy in France, the average HELOC rate is 7.85% - making a French mortgage a particularly compelling option.

Alternative Product Options

While full-term fixed-rate products remain the most widely available, lenders also offer flexible solutions, including:

Interest-Only Periods: Interest only for the first 5 – 7 years, reducing monthly payments in the early stages of the loan. Particularly attractive where there is a larger purchase price, as these are treated as repayment products for wealth tax offset purposes.
Capped and Collared Variables: Rates can move up or down within a 1.00% range, minimising exposure to rising rates while still offering potential savings if rates fall.
Unrestricted Variable Rates: for borrowers comfortable with greater rate variability.
Both variable rate products also feature no early repayment charges, providing added flexibility.

24 Oct 2025

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We are seeing tangible improvements in the French mortgage market.

3 Nov 2025

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