French Mortgages For Non-Residents

Finance your French property with confidence

Most non-residents don’t realise how complex a French mortgage can be — until they’re in the middle of one. We’ve guided international buyers through it since 2001, handling everything from start to finish so you don’t have to.

★★★★★

5.0 · Google Reviews

Access to French & international private banks

View Current Rates

No Obligation · Response within one working day

25+

Years arranging French mortgages

85%

Maximum LTV for non-residents

Exclusive Access

French banks & international private banks

About our Service

Why international buyers choose us

Worldwide Property Company has been arranging French mortgages for international buyers since 2001. Our in-house finance brokers work directly with French high-street banks and private banks in Monaco, Switzerland, and Luxembourg — giving clients access to lenders and terms that most independent brokers cannot reach.

We manage the full process from start to finish — lender selection, documentation, application, and everything through to completion. Our clients include buyers from the UK, UAE, EU, US, Hong Kong, and Singapore. Together we’ve helped them purchase throughout France — from the Riviera and Alps to Provence, Paris, and beyond.

Current Rates

French mortgage interest rates for non-residents

Fixed rate mortgages are standard in France, with terms of up to 25 years available to non-resident buyers. The table below shows indicative examples based on a €500,000 mortgage.

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 amount. Subject to lender eligibility and financial profile.

Use our Mortgage Calculator

Your rate depends on more than just LTV.
Let’s work it out together.

The right structure depends on your income profile, deposit, residency, and property type. Our brokers identify the most competitive deal available to you across our full lender network — before you commit to anything.

Most clients receive a personalised rate indication within 48 hours of their first conversation.

No Obligation · Response within one working day

by Residency

How much can you borrow?

Eligibility and available LTV vary by residency — and we have specialist lender access for each buyer profile, including arrangements most brokers can’t offer. Wherever you’re based, we’ve done this before.

UK Residents – 85% LTV

Despite Brexit, UK residents continue to access competitive French mortgage terms. With a network spanning French high-street banks to international private banks, we cover everything from standard purchases to complex income profiles and financing above €1m.

UAE Residents — 75% LTV

We are one of the few brokers able to arrange 75% LTV mortgages for UAE-based buyers in France, through our exclusive relationships with French and international private banks. Most brokers cannot access this level of financing for UAE residents.

EU Residents — 85% LTV

EU residents benefit from a streamlined application process and strong lender selection across both French high-street banks and private institutions. Up to 85% LTV with competitive fixed rates across all major eurozone income currencies.

USA Residents — 70% LTV

American buyers face additional documentation requirements due to FATCA compliance obligations. We work with specialist lenders experienced in US buyer applications, handling the complexity so you don’t have to.

Hong Kong Residents — 60% LTV

For Hong Kong-based buyers, we work through our private banking network to structure financing that accommodates complex income profiles, multi-currency earnings, and HNW asset positions — where standard French lenders typically cannot assist.

Singapore Residents — 60% LTV

Singapore-based buyers are well-served through our international private bank relationships, with financing structured around SGD-denominated income and assets. Bespoke terms available for HNW buyers purchasing in the French Alps, Riviera, or Provence.

TESTIMONIALS

What our clients say about us

★★★★★

“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.”

Sally R.

★★★★★

“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

Financing Options

Every type of French mortgage, handled.

From capital repayment and interest-only mortgages to new-build, renovation, and self-build financing, we arrange the full range of French mortgages for non-resident buyers.

Whether you’re purchasing a holiday home, a primary residence, or an investment property in France — and whatever your income structure — we’ll identify the right mortgage type and lender for your situation.

Standard
Capital Repayment	Interest-Only
Holiday Home Mortgage	Self-Employed Mortgage
Non-Resident 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

Private Banking Access

Complex income profile?
That’s where we’re most useful.

Many of our clients don’t fit the standard affordability model — self-employed with variable income, holding assets under management rather than salary, purchasing through an SCI or holding company, or requiring finance above €1 million. Standard lenders often decline or under-offer on these profiles. We don’t.

Lombard loans secured against investment portfolios
100% mortgages for qualifying HNW clients
Equity release and refinancing on existing French assets
Mortgages structured through an SCI or SARL
Bespoke terms for non-standard income and asset profiles
Interest-only facilities for UHNW and investor buyers

Specialist lender access most brokers can’t offer

Our private financing network spans French private banks and international private banking institutions — built exclusively over 25 years, giving clients access to structures and terms unavailable through standard brokers.

Monaco

Switzerland

Luxembourg

€1m+

Private bank financing is available from €1 million and typically offers meaningfully better terms, flexibility, and discretion than high-street lenders.

DOCUMENTATION

What lenders will want to see

French lenders are thorough — but the process is predictable once you know what’s needed. We help you prepare everything in the right format, presented to give your application the best possible chance.

Credit history

Lenders will look at your credit record. Nothing unusual is expected — they just want to see a clean history with no defaults or late payments.

Proof of income

Three months of payslips, or equivalent for self-employed buyers. The key number is your debt-to-income ratio — lenders want to see it sit below 35% of gross income.

Passport & proof of address

A valid passport and something that confirms where you currently live — a utility bill, rental agreement, or mortgage statement will do.

Bank statements & tax returns

Three months of bank statements plus two years of tax returns. These give the lender a clear picture of how money moves in and out of your life.

Asset statement

A summary of what you own — investments, savings, property. Particularly relevant if you’re applying through a private bank or using assets rather than income to qualify.

The sales agreement

The Compromis de Vente or reservation agreement for the property. The lender needs to know what they’re financing before they issue a formal offer.

Life insurance

Most French banks require a life insurance policy for the term of the mortgage. Some private banks will waive this for clients with significant assets under management.

Property details

Plans, surface area, energy rating (DPE), and construction information. The lender needs this to carry out their own valuation of the property.

How we work

We handle the complexity.
You focus on the property.

Tell us what you’re trying to do

A first conversation — no forms, no jargon. We listen to your situation, your timeline, and what you’re hoping to buy. From there we can tell you quickly what’s realistic and what the right structure looks like for you.

We find the right lender

Not every lender suits every buyer. We search our full network — French banks, international banks, and private institutions — and put you in front of the one most likely to say yes on the best possible terms.

We manage the application

We prepare and organise your documentation, submit to the lender, and keep things moving. Pre-approval typically comes through within 2–3 weeks — giving you confidence before you sign the Compromis de Vente.

Keys in hand

We stay with you through the cooling-off period, the notary appointment, and right through to completion. Buying property abroad has a lot of moving parts — we make sure none of them catch you off guard.

Get Started

Ready to explore your French mortgage options?

One conversation with our brokers will clarify what’s available to you, what it will cost, and how to structure it. No jargon, no obligation.

use mortgage calculator

FAQ

French Mortgage Questions Answered

Can non-residents get a mortgage in France?

Yes — non-residents can get a mortgage in France. French banks and international private banks offer mortgage products specifically structured for buyers without French tax residency, typically at 60–85% LTV with fixed rates and terms of up to 25 years. Eligibility depends on your residency, income profile, and deposit.

We specialise in arranging French mortgages for international buyers and have done so since 2001 — through both high-street and private bank channels.

How much can I borrow in France?

Non-residents can typically borrow between 70–85% of the property’s value in France. The exact amount depends on your residency, income structure, deposit, and the lender.

UK and EU buyers can access up to 85% LTV, while UAE residents can access up to 75% LTV — arranged through our exclusive network of French and international private banks, which most brokers cannot access. We identify the maximum available to your specific profile before you commit to anything.

What deposit do I need for a French Mortgage?

Most non-resident buyers need a deposit of 15–30% of the property’s purchase price. In addition, buyers should budget approximately 7–10% for French notary fees and purchase costs — these are paid separately from the deposit and cannot be included in the mortgage. We advise all clients on the full upfront cost picture before they begin the application process.

Are French mortgage rates fixed or variable?

Fixed rates are the standard in France and the most common choice for non-resident buyers. Variable rate products exist but are rarely used. Your actual rate will depend on your LTV, term, residency, and financial profile. We provide personalised rate indications within 48 hours of a first conversation — across our full lender network.

What documents are required for a French Mortgage?

French lenders typically require the following: valid passport and proof of address, three months of bank statements, two years of tax returns, proof of income or employment, an asset statement, life insurance, and the Compromis de Vente or sales agreement for the property.

For self-employed buyers or those with complex income, additional documentation may be needed. We organise and structure your full documentation pack, presenting it in the format that gives your application the strongest possible chance of approval.

Can I finance renovations in France?

Yes — renovation costs can be included within a French mortgage and drawn down in staged payments as works progress. This applies to both renovation of existing properties and self-build projects. We arrange renovation and self-build financing for international buyers across France, with stage payments structured around your development timeline.

Can I finance an off-plan property in France?

Yes — off-plan purchases in France are financed through a VEFA (Vente en l’État Futur d’Achèvement) mortgage, where funds are released in staged drawdowns aligned to each construction milestone. It is one of the most common ways international buyers purchase new-build property in France. We arrange VEFA financing for non-resident buyers and manage the documentation requirements throughout the build process.

Are interest-only mortgages available in France?

Yes — interest-only mortgages are available in France, primarily through private banks and for higher-value purchases. They are best suited to investors and HNW buyers who have a clear capital repayment strategy in place. Standard high-street lenders in France typically offer capital repayment products only.

Through our private banking network in Monaco, Switzerland, and Luxembourg, we can arrange interest-only facilities for qualifying clients from €1 million.

Can I buy through a French company (SCI or SARL)?

Yes — purchasing through a Société Civile Immobilière (SCI) or SARL de Famille is a common and tax-efficient structure for international buyers in France. An SCI can simplify inheritance planning and ownership between multiple parties. Mortgages can be structured through the company, though documentation requirements differ from personal applications.

We assist with both the company setup and the mortgage application, ensuring lenders receive documentation in the correct format for corporate-held purchases.

Are there any tax benefits when buying property in France?

Yes — there are several tax incentives available to property buyers in France. New-build buyers can reclaim the full 20% VAT on the purchase price through the Para-Hôtelier scheme, and benefit from reduced stamp duty at approximately 0.7% compared to 5–6% on resale property.

New-builds are also exempt from Taxe Foncière for the first two years. Through the Para-Hôtelier scheme, rental income can be offset against up to 80% of the property value as depreciation over 30 years, making it highly tax-efficient.

Capital gains tax tapers to zero after 22 years of ownership, and financing your purchase through a mortgage can reduce your exposure to French wealth tax.

Purchasing through an SCI can offer additional inheritance tax and ownership planning advantages.

We recommend working with a French tax adviser alongside your mortgage broker to structure your purchase correctly from the outset.

What’s the best mortgage for expats?

The best French mortgage for expats depends on your residency status, income structure, deposit, and property type. For most expat buyers, a fixed-rate capital repayment mortgage through a French high-street or international bank is the most suitable option.

For self-employed buyers, those with complex income, or purchases above €1 million, private bank financing often provides better terms and greater flexibility. We assess your full profile and match you with the right lender from our network — rather than a one-size-fits-all product.

How long does the mortgage approval take in France?

French mortgage pre-approval typically takes 2–3 weeks from submission of a complete application. Full mortgage approval takes 4–6 weeks. Once a formal mortgage offer is issued, French law (the Hamon Law) requires a mandatory 10-day cooling-off period before it can be accepted. Through our direct lender relationships, we structure your documentation to minimise delays and keep your application moving at every stage.

Do I need a French bank account?

A French bank account is not always mandatory for the mortgage itself, but most lenders strongly recommend or require one. It simplifies mortgage repayments via direct debit, and is also needed for utility bills, property taxes, and ongoing costs associated with owning property in France. Some lenders make it a condition of their mortgage offer.

We advise all clients on the practical steps of setting up a French bank account as part of the broader purchase process.

Guides for Buying Property in France

How To Save Money When Buying Property Overseas Using Forex When buying property abroad, managing Foreign Exchange (Forex) effectively is crucial. Proper FX management can lead to significant savings on both the initial deposit and ongoing payments such as mortgages and property management fees. This guide will walk you through how FX works, why i……

Buying Off-Plan Properties in France: VEFA Explained

How To Buy Off-Plan Properties in France: VEFA (Vente en l’État Futur d’Achèvement) Buying property in France can be an exciting investment opportunity, especially with the option to purchase off-plan properties under the VEFA system (Vente en l’État Futur d’Achèvement). This guide explains how the VEFA system works, its benefits, and what to exp……

Speak to a French Mortgage Broker

Speak to a French Mortgage Broker

Finance your French property with confidence

Speak to a French Mortgage Broker

Why international buyers choose us

French mortgage interest rates for non-residents

Your rate depends on more than just LTV. Let’s work it out together.

Speak to a French Mortgage Broker

How much can you borrow?

UK Residents – 85% LTV

UAE Residents — 75% LTV

EU Residents — 85% LTV

USA Residents — 70% LTV

Hong Kong Residents — 60% LTV

Singapore Residents — 60% LTV

What our clients say about us

Every type of French mortgage, handled.

Enquire about a French Mortgage

Enquire about a French Mortgage

Complex income profile? That’s where we’re most useful.

Enquire About Complex Financing

Specialist lender access most brokers can’t offer

What lenders will want to see

Credit history

Proof of income

Passport & proof of address

Bank statements & tax returns

Asset statement

The sales agreement

Life insurance

Property details

We handle the complexity.You focus on the property.

Tell us what you’re trying to do

We find the right lender

We manage the application

Keys in hand

Ready to explore your French mortgage options?

Speak to a French Mortgage Broker

French Mortgage Questions Answered

Can non-residents get a mortgage in France?

How much can I borrow in France?

What deposit do I need for a French Mortgage?

Are French mortgage rates fixed or variable?

What documents are required for a French Mortgage?

Can I finance renovations in France?

Can I finance an off-plan property in France?

Are interest-only mortgages available in France?

Can I buy through a French company (SCI or SARL)?

Are there any tax benefits when buying property in France?

What’s the best mortgage for expats?

How long does the mortgage approval take in France?

Do I need a French bank account?

Guides for Buying Property in France

Para-Hotelier Scheme

How To Buy Property In France

French Wealth Tax 2026

Forex Services: How To Save Money on Overseas Property

Buying Off-Plan Properties in France: VEFA Explained

Your rate depends on more than just LTV.
Let’s work it out together.

Complex income profile?
That’s where we’re most useful.

We handle the complexity.
You focus on the property.