French Mortgages Made Simple for International Buyers
Our In-House Financing Partner
25 Years of International Mortgage Expertise
With over two decades of experience, we specialise in helping international buyers navigate the French mortgage system with ease.
Exclusive Access to the Largest Network of French Banks and International Private Banks
Benefit from WPF’s strong relationships with top French banks and international private banks in Monaco, Switzerland & Luxembourg.
Expert Handling of Complex Financial Profiles
From understanding your unique financial background to personalised solutions for your situation.
English-Speaking Legal and Financial Support
A seamless experience that saves you time, money, and stress from start to finish and beyond your purchase.
TESTIMONIALS
What Our Clients Say
Hear from our satisfied customers who have experienced the quality and value of our all-in-one property services.
French Mortgage Interest Rates & Calculator
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
Key Features of French Mortgages
Understanding the key aspects of the French mortgage system is essential for international buyers:
Structure
Choose from capital repayment or interest-only options depending on your financial goals.
Rates
Fixed rates are common and typically lower than those in the UK or US, with terms up to 25 years
Loan-to-Value (LTV)
Most banks offer 70% to 85% LTV depending on your financial profile.
Deposit
Expect to contribute 15% to 30% as a down payment.
Eligibility
Affordability is based on a maximum of 35% gross income or assets under management.
Pre-Approval
In most cases, you can get pre-approved through our direct access to the underwriters within the banks.
All Our French Mortgage Services
Standard Mortgages
Properties Under Construction
Specialist financing
Documentation for French Mortgage
Understanding the eligibility criteria and required documentation is key to a successful French mortgage application. The following documentation outlines the main factors lenders consider, from credit history and income requirements to the overall approval process.
1
Credit History
Lenders will review your credit report for any defaults, late payments, or other negative items that could impact your eligibility.
2
Income & Employment
You’ll need to demonstrate stable, verifiable income from employment or other approved sources that meets the lender’s criteria.
3
Passport
You’ll need to provide a valid passport as proof of your identity and nationality.
4
Proof of Residence
You’ll need to submit documents like utility bills or rental/mortgage agreements to verify your current address.
5
Bank Statements & Tax Returns
You’ll need to provide bank statements & tax returns from the last 3 months to demonstrate your financial situation.
6
Sales Agreement
You’ll need to submit the ‘Compromis de Vente’ or reservation agreement for the property you want to purchase.
7
Insurance
Most banks will require a life insurance policy for the mortgage, but some banks don’t require it.
8
Asset Statement
You’ll need to complete a form listing your assets, investments, and other financial resources.
Your French Mortgage Enquiry
Foreign Exchange & Currency Transfers
As an international buyer, managing currency exchange rates is a crucial consideration when purchasing property in France. Our trusted foreign exchange (FX) partners can help you navigate this challenge by simplifying the process of transferring funds across borders, and allowing you to:
Save up to 3–4%
On currency transfers compared to high street banks
Lock in Favourable Rates
Secure exchange rates in advance for up to 24 months
Receive Tailored Guidance
Access expertise for large property transactions
Tax Benefits & Incentives
France offers several tax-efficient routes for international buyers. Our advisors will guide you through setup, management, and financing options.
Get in Touch
Our partnering team is on hand to offer expert guidance tailored to your situation, whether you’re just getting started or ready to move forward.
1
Book a personalised consultation with one of our mortgage advisors
2
Understand your financing options and the best structure for your investment
3
We assist with both sourcing your ideal property and securing the right mortgage
4
No pressure, no obligation—just friendly, professional advice
Your French Mortgage Enquiry
French Mortgage FAQs
Our Guides For Buying Property in France
