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

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Quick Guide to buying a property in France

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

French Mortgage Quick Guide

Here’s what to expect if you are thinking about purchasing a dream home in France with a French mortgage.

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

A life's dream for us!
24 Apr 2023 - The Millers - Guéthary

"Thank you so so so much for everything! We are absolutely delighted and very excited. A life's dream for us!"

We highly recommend this wonderful team of people
3 Jan 2023 - M Lewis - Morzine

"IPF provided us exceptional service. They made every aspect of the transaction easy, helped us understand clearly what needed to be done and when, and managed the entire process seamlessly. We highly recommend this wonderful team of people."

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