Investment Finance

Financing your investment property in France is an important decision and, due to France’s popularity as a tried and tested overseas property location, there is now a wide variety of lending services available to choose from and the procedure is normally simple and straightforward.

As a foreigner you can often obtain 100% finance with fixed long term or variable interest rates, currently capped at 4%, making property investment in France an attractive option for those looking to finance their investment with a loan. Mortgages are generally available for between 10 and 20 years or up to age 70, whichever is sooner.

British lenders include Abbey, Halifax, HSBC and Woolwich who are the main providers from the UK. French mortgage lenders are often subsidiaries of UK lenders such as Abbey National France or Barclays. These institutions will use what is known as the “indebtedness ratio” to calculate how much they will lend you: Rather than multiplying your salary by 3.5 as is done in the UK, lenders in France require you to prove that a third of your total gross monthly income can cover the mortgage repayments and this covers anything from personal loans to utility bills and monthly mortgage payments.

Click here to learn more about financing your France property investment with a mortgage.

Off-Plan Financing

Many off-plan developments in France offer installment plans and figures vary according to developer. They can sometimes offer the most competitive finance options to investors and these are certainly worth considering when looking at mortgage alternatives from your own country.

As always, before making a full commitment, we recommend you discuss your investment strategy with a lawyer, a reputable property agent with experience in the area and even a financial advisor.

Click here to speak FREE of charge to one of our independent IPIN financial advisors.

Equity Release

Equity release is simply a means to release some cash from your existing property without having to sell up and move house. If you already own property in your own country and would like to borrow against this in an equity release plan, we can introduce you to independent financial advisors who can help you raise the necessary finance for your investment property in France.

If you are in your mid-50s or older and own your own home, you may be able to get a cash lump sum, a regular income, or both, by using an equity release scheme based on the value of your property. These schemes can be helpful in certain circumstances to raise money for a mortgage to finance your France property investment.

Click here to learn more about financing your property in France with equity release.

Alternative Finance

Not everybody falls into a category and some investors will need to raise finance in an alternative fashion to equity release or mortgage options. There are various other borrowing facilities available to investors in French property. If you wish to discuss these, please click here to speak FREE of charge to one of our independent IPIN financial advisors.