Discovering Your French High Net Worth Mortgage

When it comes to financing for a high net worth mortgage, you might naturally lean towards international private banks in Monaco, Switzerland, or Luxembourg. While these banks are known as outstanding financial institutions, they might not always be the best choice for securing a mortgage.

That’s where French banks come into play. Often overlooked, they offer some compelling advantages for high net worth individuals and ultra-high net worth individuals (HNW & UHNW). Both mainstream and private banks in France provide tailored solutions to suit your needs.

Advantages of French Banks

  • Flexibility: French banks aren’t just limited to traditional property purchases; they can finance off-plan acquisitions and even Design & Build projects.
  • Accessibility: Unlike their international counterparts confined to select areas, such as French Alps, Riviera and Paris, French banks extend their mortgage services across the entire country, offering a wider range of investment options.
  • Long-term Stability: Enjoy the security of extended fixed-rate periods spanning 20 to 25 years, which is rare compared to the shorter durations offered by international private banks.

However, when it comes to international private banks, there’s a key advantage they hold over French private banks. They aren’t constrained by the same affordability rules. For instance, if a client is asset-rich but has low income, they might have the opportunity to borrow more with an international private bank. Though it’s important to note, this isn’t always the case.

Contact Us for Personalised Guidance

While international private banks have their perks, such as more flexibility in navigating French regulations, the decision ultimately depends on various factors. With our extensive network of both domestic and international banks, we ensure you have plenty of options to explore.

Ready to find high net worth mortgages tailored to your unique financial situation? Get in touch with us today for personalised guidance and comprehensive solutions. Your dream property in France awaits.

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