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France Property Mortgages Guide for International Buyers


Securing a mortgage in France is an essential step for many international buyers seeking to purchase property, whether as a primary residence, second home, or investment. French lenders provide a range of mortgage products to both residents and non-residents, with competitive interest rates, flexible terms, and long amortisation periods.

Understanding the French mortgage process is crucial for buyers to plan budgets, determine deposit requirements, and ensure timely completion. Lenders typically require proof of income, financial statements, and credit checks. International buyers may need additional documentation, such as foreign bank references or legalised income statements.



Most mortgages in France are offered as either fixed-rate or variable-rate loans. Fixed-rate mortgages provide certainty over repayments, while variable-rate loans may offer lower initial rates but carry interest rate fluctuation risk. French mortgage terms usually range from 15 to 25 years, though some lenders allow longer durations for qualified buyers.

Foreign buyers often make deposits ranging from 20% to 40% of the purchase price, depending on income, property type, and lender requirements. Working with an experienced property developer or mortgage broker can streamline the application process and help secure the best terms.



Eligibility criteria for non-resident buyers vary by bank. Lenders assess affordability based on income, existing debt, and credit history. Some French banks offer tailored services to foreign investors, including dedicated English-speaking advisors and guidance on currency transfer options. See our Currency Guide for safe international transfers.

Additional costs associated with French mortgages include arrangement fees, notary fees, and insurance requirements. Mortgage insurance is usually mandatory to cover life, disability, and property risk. For further guidance, see our Insurance Guide.

Securing a mortgage also involves coordination with your legal advisor and notaire. The notaire ensures contracts are compliant with French law and protects buyer interests. Learn more about the process in our Legal Process Guide.

Popular regions for mortgage-supported property purchases include Paris, Lyon, Bordeaux, the French Riviera, Provence, and ski resorts in the Alps. Each region has unique lending conditions, property prices, and rental potential, making professional advice essential for international buyers.

Professional mortgage brokers, developers, and banks can assist buyers in navigating documentation, currency transfer, and cross-border regulations. For additional support, visit our Banking Guide.




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