French Mortgage Calculator

Estimate Monthly Repayments and Purchase Costs For Buying Property in France

French Mortgage Interest Rates

Explore flexible capital repayment mortgages with interest rates tailored to non-residents. Use our user-friendly mortgage calculator to estimate your monthly payments and total purchase costs. Our table below shows examples of different types of rates for a mortgage amount of €500,000.

Max LTV (Term)

Starting Rates From*

Monthly Payments**

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

* Interest rates for May 2025
** Based on €500,000 mortgage amount

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French Mortgage FAQs

Can non-residents get a mortgage in France?

Yes, French banks offer mortgage options for non-residents, often with terms tailored to international buyers.

How much can I borrow in France?

You can typically borrow 70% to 85% of the property’s value, depending on your profile and income.

What deposit do I need for a French Mortgage?

A deposit of at least 15% to 30% is usually required, depending on the lender and mortgage type.

Are French mortgage rates fixed or variable?

Both are available, but fixed rates are more common and preferred by many buyers for long-term stability. For more detailed information rates please refer to our French Mortgage Interest Rates table.

What documents are required for a French Mortgage?

Most lenders require proof of income, bank statements, ID, tax returns, credit history, asset statements, sales agreement and insurance. For more information please see the required documentation for a French mortgage.

Can I finance renovations in France?

Yes, renovation costs can often be included in the mortgage and drawn down in stages.

Are interest-only mortgages available in France?

Yes, interest-only mortgages are available, especially for high-net-worth individuals or through private banks.

Can I buy through a French company?

Yes, buying through a French company such as an SCI or SARL is a common and tax-efficient option. We can help you set this up before applying for your French mortgage.

What are the tax benefits of short-term rentals?

You are be eligible to reclaim VAT on the purchase price of your property if it is a new-build that has also been set up for short-term rentals and meets the criteria of the Para-Hotelier Scheme. You can earn tax-free rental income by offsetting up to 80% of property value as depreciation over 30 years.

What’s the best mortgage for expats?

It depends on your financial goals and residency. Our advisors can help tailor the right solution for you. Book a free call with us to discuss your options.

How long does the mortgage approval take in France?

It can vary depending on your documentation, which we help structure and organise in an efficient way to present to the lenders for faster approvals. Typically, mortgage approvals take 4 to 6 weeks once all documents are submitted.

Do I need a French bank account?

While not mandatory, having a French bank account it streamlines the process and makes managing your property finances easier after purchase. It facilitates direct debits for bills, mortgage payments, and property taxes.

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What Our Clients Say

Hear from our satisfied customers who have experienced the quality and value of our all-in-one property services.

★★★★★

“Trustworthy, professional people that not only care about the clients, but also provide their clients with eagerly needed help when it comes to acquiring property, transfer the funding, getting all the paperwork in place.”

Tom C.

★★★★★

“I recommend Worldwide Property Finance highly and without reservation. They worked tirelessly on our behalf to deliver solutions for our project, and they well and truly made what seemed impossible, possible. They were available at any time of the day or night for phone calls, and were always very responsive on email. We will be using them again for future projects.”

Vanessa P.

★★★★★

“How do you review a company that excels under pressure, works tirelessly and relentlessly, provides constant communication and connects you with all the right people! Five stars are simply not enough. I will absolutely reach out again for future projects.”

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★★★★★

“If you’re looking for a holiday home overseas, then Worldwide Property Company is your best choice. They are extremely well connected and can offer a wide range of superior properties. But that’s just the start. They know how to get funding in even the most complex circumstances and work really hard for you to get the best results!”

Robert C.

★★★★★

“Buying property overseas comes with added risks and stress, especially without experience. The team at Worldwide Property Co. has that experience to support and guide you through the mine field. Transferring money, banking fees, searches, legal costs & providers, the list goes on. They are true professionals in their market.”

Antony H.

★★★★★

“Worldwide Property Co. was extremely helpful in providing great advice and then pushing the mortgage application along to successful completion.”

Stephen B.