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French mortgages for UK Residents
UK residents can access French mortgages at up to 85% LTV, with fixed rates across 15, 20 and 25-year terms. Whatever your income profile, we handle the entire process in English, from first conversation to completion.
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Why British buyers choose us
Our international mortgage brokers work exclusively on cross-border transactions, with direct access to French high-street banks and a network of international private banks in Monaco, Switzerland and Luxembourg. This gives our UK clients a wider range of financing options than most can find independently or through other brokers.
We have been placing British buyers into French property since 2001. That experience means we know which lenders suit which UK income profiles, how to structure an application that moves efficiently, and how to handle the complexities that come with buying across two countries.
Current Rates
French mortgage rates for UK residents in 2026
Fixed rate mortgages are the standard in France — most UK buyers choose a term of 15, 20 or 25 years. The table below shows indicative rates based on a €500,000 mortgage. Your actual rate depends on your LTV, income profile, and lender.
| Max LTV | Term | Rate From* | Monthly Payment** |
|---|---|---|---|
| 85% | 15 years | 3.95% | €3,687 |
| 85% | 20 years | 4.10% | €3,056 |
| 85% | 25 years | 4.15% | €2,682 |
| 70% | 15 years | 3.20% | €3,501 |
| 70% | 20 years | 3.40% | €2,874 |
* Fixed rates, indicative for April 2026. ** Based on €500,000 mortgage. Subject to lender eligibility and UK income profile.
Getting your rate right means understanding your UK income profile.
French lenders assess UK income on a case-by-case basis. PAYE employees, self-employed buyers, limited company directors and pension income are all treated differently — and the right lender for your profile makes a meaningful difference to both your rate and your approval odds.
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UK Income Profiles
How French lenders assess UK income
Not all income is treated equally. French lenders apply specific criteria to each income type. Understanding how your profile is assessed before applying makes a material difference to your approval rate and the terms available.
Types of Mortgages
The French mortgage options available to UK buyers
UK buyers purchasing in France can access the full range of French mortgage products, from straightforward capital repayment mortgages to specialist financing for off-plan purchases, renovations, and investment structures. The right product depends on your property type, intended use, and financial profile.
Whether you’re buying a holiday home, relocating, or investing, we’ll find the right product for your profile and situation.
| Standard | |
| Capital Repayment | Interest-Only |
| Self-Employed Mortgage | Post-Financing |
| Construction | |
| New-Build & Off-Plan | Renovation Financing |
| Self-Build Mortgage | |
| Specialist Financing | |
| Private Bank Mortgage | Lombard Loans |
| Equity Release | Bridging Loans |
| Refinancing | SCI & SARL Financing |
Currency Considerations
Why currency exchange matters from day one
UK buyers earning in sterling and servicing a euro mortgage carry exchange rate exposure for the life of their loan. When GBP strengthens against EUR, your effective repayment cost falls. When it weakens, it rises — and over a 20-year term, those swings can be meaningful. French lenders account for this by applying a currency buffer when assessing GBP income, so it is worth factoring into your budget from the outset.
Using a specialist FX dealer
Exchanging through a specialist FX dealer rather than a high-street or private bank can save up to 3–4% on your exchange rate — on a €150,000 deposit, that is €4,500–€6,000. We can introduce you to our trusted FX dealer partners experienced in cross-border French property transactions.
How to manage your currency exposure |
|
| Forward Contract | Lock in today’s exchange rate for a payment due at a future date — ideal for securing your deposit or completion funds once your exchange date is confirmed. |
| Regular Payment Plan | Automate your monthly mortgage repayments at an agreed rate, removing the need to monitor exchange movements each month. |
| Market Order | Set a target rate and convert automatically when the market reaches it — useful for non-urgent transfers where you want to optimise timing without watching the market daily. |
| Spot Transaction | Same-day or next-day conversion at the current live rate, for immediate payments such as your deposit or notaire fees. |
Tax Considerations
What UK buyers need to know about French property tax
French property ownership creates tax obligations in both France and the UK. The areas below cover what most UK buyers will encounter — and, for higher-value purchases, what additional considerations may apply.
Disclaimer: The above is provided for general information only and does not constitute legal or tax advice. We can introduce clients to our panel of lawyers and accountants experienced in structuring French property purchases efficiently.
Ownership Structures
How UK buyers hold French property
How you structure ownership of your French property can affect your inheritance planning, tax position, and flexibility when transferring or selling in the future. The right approach depends on your personal circumstances, family structure, and financial planning goals.
| Structure | Summary | Typical Use |
| Personal Ownership | The simplest approach — property held in your name or jointly with a partner. Standard French inheritance rules apply unless varied by a will or marriage regime. | Most holiday home buyers. Clear personal ownership profile. |
| Joint Ownership | Two or more co-owners, each holding a defined share. Each share passes to the owner’s estate on death. Disputes between co-owners can complicate future management or sale. | Purchases between friends or business partners wanting separate ownership of a defined share. |
| SCI (Société Civile Immobilière) | A French property holding company. Owners hold shares rather than the property directly. Can simplify inheritance planning and enable gifting of shares over time. UK tax treatment requires specialist advice. | Family property planning, multi-generational ownership, buyers wishing to pass the property to children efficiently. |
| UK Limited Company | Generally not recommended. French tax authorities typically look through UK companies for IFI and income tax purposes, creating additional complexity without meaningful benefit. | Rarely appropriate for French property. Independent advice essential before proceeding. |
The above is for general information only and does not constitute legal or tax advice. We can introduce clients to our panel of lawyers and accountants experienced in structuring French property purchases as efficiently as possible.
Private Bank Financing
Complex UK income profile?
Private bank financing may suit you.
Standard French high-street lenders have defined criteria that suit a majority of buyers but not all. For UK buyers purchasing above £1 million, holding wealth primarily in assets under management, seeking interest-only facilities, or with complex income structures, our network of banks offers financing that standard brokers cannot.
Private bank mortgages are arranged through our network of banks. We do not name specific institutions publicly, but terms, flexibility and discretion are meaningfully superior to high-street lending for the right profile.
How we work
We handle the complexity.
You focus on the property.
TESTIMONIALS
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One conversation with our brokers will clarify what’s available to you as a UK buyer, what it will cost, and how to structure it. No jargon, no obligation.
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FAQs
French Mortgage Questions for UK Buyers
Further Reading
Guides for UK Buyers in France
