Whether you’re buying a French holiday home, thinking of moving to France or remortgaging your French house, we can save you time and money

Guides To French Mortgages

Remortgaging in France

Unlike in the UK, re-mortgaging in France is never straightforward and rarely financially beneficial. We explain why and when it could work for you

Buying in Paris

There can be few ideas more romantic than that of buying a property in Paris, but it can be tricky

Quick Guide to buying a property in France

Here’s an overview of how the French property purchase process works in France

About French Mortgages

We have prepared these French Mortgage guides to provide you with an idea of the process involved. This is what to expect if you are thinking about purchasing a dream home in France with a French mortgage.

All French Mortgages are in Euros and secured against French residential property. The maximum loan to value available, for non-French residents, is currently 85% of the purchase price. This can include estate agent’s (immobilier) fees but not Notaire’s fees. French Mortgages can be obtained for the purchase of new-build (VEFA) or existing properties, main homes, second or holiday homes or investment properties including Leaseback schemes.

A variety of French Mortgage products are available for your French property purchase. Interest-only and repayment mortgages can be arranged. These can be on a variable rate, capped or fixed-rate basis, or a combination of both. Terms can be from 5 to 25 years and fixed-rate mortgages permit you to fix the rate for the lifetime of the loan! Euro mortgages must be repaid by the age of 75 to 80. French mortgage rates are all based on the Euribor, the interbank lending rate set by the European Central Bank. The Euribor is currently negative, hence why French mortgage rates are at near-historic lows.

What our clients say

They literally guide you through the process from start to finish...
23 Sep 2021 - Anonymous (Paris)

"I can’t recommend IPF services well enough. They literally guide you through the process from start to finish and are always available and helpful."

...first class in every respect...
9 Sep 2021 - Mr P Harrison (Herault)

"This was the second time we have used IPF to finance our property. This experience matched the last, which was first class in every respect. The level of detail, insight and understanding we received was deeply impressive and we would recommend IPF to anyone seeking European finance. It is a truism that we would not have had a chance of achieving what we have done without Fiona and Ellie."

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