French Holiday Home & Second Home Mortgages

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French mortgages for holiday homes or second homes

France is a wonderful place to have a holiday home. If you have a demanding career, or a busy life, being able to get away for short breaks, or weeks at a time, to a villa near the beach, or a chalet in the alps, will have a significant impact on your quality of life.
In most parts of France, the pace of life is a lot slower, and the focus is on enjoying life, with good food, wine, and cherished time with family and friends.

Arranging a mortgage to buy a second home in France, will be based on your personal income. The French banks will need to be comfortable that you can afford any existing mortgages, personal loans, car loans and child maintenance costs, plus the new French mortgage.

Each bank will calculate affordability in a slightly different way, and treat different types of income (eg dividends, rental, investment, etc) in different ways as well. So this would influence which banks we would introduce you to.

It may also be worth considering doing short term weekly holiday lets when you are not staying in the property, as the French government offers attractive tax incentives in some parts of France.
Click here for more details… Para-Hotelier Tax Incentives

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