Obtaining a mortgage in France for a non-resident has many pitfalls. Our experienced and multilingual team can help you identify your options and navigate the often stringent French banking system. Thanks to more than 15 years of experience, we can also assist you with insurance, bank accounts and refer you to specialists for legal and tax advice.
All this experience is yours to command. As a Real Estate agent, you can benefit also from our experience, relationships in the market and a team which is at your disposal to help confidently qualify and provide your prospects with finance offers which are not widely available.
All this experience is yours to command. As a Real Estate agent, you can benefit also from our experience, relationships in the market and a team which is at your disposal to help confidently qualify and provide your prospects with finance offers which are not widely available.
Services
Purchasing a property often implies a mortgage application. This is especially the case concerning non-residents who are seeking low fixed rates combined with a long duration and high LTV. So, why not helping them obtain a French Mortgage by introducing them to French Private Finance? Through the many years, we met plenty of different types of profiles and it is safe to say we know the market.
This amount includes the equity you place into the property and an estimation for the additional fees and taxes. Any amount in this box is an estimation of the amount a bank may wish you to place with them for this type of product. It may be pledged for the duration of the loan. Fixed rate for the term.
By taking out a mortgage in France, you will also have to pay mortgage registration tax which varies depending on the loan amount, but as a rule of thumb will be 1.5% for a new build property and perhaps only 0.75% or less for an existing property using a "PPD - Privilge de Prteur de Deniers". This is included in the Notaire's breakdown.
The product our client was looking for is not really commun. I would even dare to say it is extremely rare amongst retails banks, a bit less with private banks. Unfortunately we could not use the help of our private banks as the property is Off Plan, which is not favoured by them.
We sent over 6 years of accounts to prove that the business he was a partner from was financially sound and put forward the job stability to override the lending policy.An interest only mortgage was the best fit as the monthly cost is significantly smaller compared to a capital repayment mortgage which allows the client to take other mortgages to invest in other properties.
We sent over 6 years of accounts to prove that the business he was a partner from was financially sound and put forward the job stability to override the lending policy.An interest only mortgage was the best fit as the monthly cost is significantly smaller compared to a capital repayment mortgage which allows the client to take other mortgages to invest in other properties.
Reviews (8)
Matthew Murphy
Nov 02, 2020
Report
Neil Colquhoun
Jun 07, 2020
Report
I am the very definition of a difficult customer with non-standard circumstances so FPF did a fantastic job of securing a French mortgage for us under testing conditions! Their relationship with the bank who provided the mortgage enabled them to assist in helping the bank understand what my businesses are all about and that got us over the line.
The service throughout the whole process was excellent, including being picked up in Geneva and chauffeured to Courchevel and back to sign the relevant documents, so I would highly recommend them.
Perhaps the only thing that could have been improved upon
The service throughout the whole process was excellent, including being picked up in Geneva and chauffeured to Courchevel and back to sign the relevant documents, so I would highly recommend them.
Perhaps the only thing that could have been improved upon
Sasha Mishkin
Dec 26, 2019
Report
We were introduced to French Private Finance by our real estate agent, and the entire process was seamless and straightforward thanks to the help of Romeo. He answered all of our questions, and made the paperwork infinitely simple. We are so grateful for the white-glove service that French Private Finance has provided us. We definitely recommend them for any mortgage needs.
James Redmayne
Dec 08, 2019
Report
Matthieu from French Private Finance came highly recommended from good friends of ours and he did not disappoint. We were buying a property in France while living in HK (not simple) and he took all of the stress out of the process. He found a great mortgage deal for us and did a lot of heavy lifting around the complexity involving notaire, insurance, bank, agent etc. Post buying the house he has continued to be very helpful in dealing with the bank and renovation work. Couldn't have done it without him.
Lou Spain
Oct 14, 2019
Report
We are very happy with the service Konrad provides at French Private Finance. He has guided us through every stage of the selection and application for a French mortgage, helping us through the volumes of paperwork and hoops to jump through in obtaining the mortgage. He has been incredibly patient and professional with us at all times. We are very grateful for the great support through a protracted but successful process.
Liviu Petrina
Jun 06, 2019
Report
We worked with Matthieu at French Private Finance for getting a French mortgage which was not straight forward in our case. He was always really helpful and provided timely advice to make sure that the mortgage application process went smoothly and were always available to assist to find us the best mortgage option plan. I would highly recommend to anyone considering to get finance for a property purchase in France.
Victoria Kelly
Jan 11, 2019
Report
We worked with Matthieu Ragon at French Private Finance and we could not believe how easy they made the mortgage process of buying home a France. We braced ourselves for the worst when we decided to buy in France but after engaging French Private Finance it all worked absolutely seamlessly. I, honestly, could not recommend them enough. Matthieu was incredibly attentive, proactive and truly went above and beyond. We are so grateful to whole team. You really should not look anywhere else.
Simon Freedman
Nov 18, 2018
Report
The French Private Finance team were exceptionally helpful throughout the house purchase process. Matthieu Ragon was extremely helpful and meticulous in his approach and persevered over an extended period in dealing with the bank across two house purchases (the first having fallen through). Given the complexities of buying a property in France, I would highly recommend the team
