Rory Ramsden – Luxury French Property Finder & Buyer's Agent in south west France
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Mortgage Choices in France

Many UK citizens are beginning to look into purchasing investment homes in France. Looking to find ways to pay for them, many are looking into mortgage options. Since many are foreign, this means that the mortgage option would have to come from a French bank. France offers many options with the most popular being fixed rate mortgages. These are the most popular because the rates are currently towards historic loans. Another option is an interest only fixed rate mortgage but these are riskier. As a result many are turning to some type of hybrid between the two. In any case, French bankers look through each persons credentials to find what they qualify for.

Key Takeaways:

  • It’s currently impossible to secure a mortgage on a French property with a bank from the UK.
  • Although the foreign lending sector took a hit, with banks choosing to be domestic only, after 2008, the appeal is once again growing.
  • Non-resident buyers can find an array of products available to them, including repayment and interest only mortgages.

“Despite the current political climate and a weak pound sterling. British buyers are still actively investing in second and investment homes within Europe, with a strong emphasis on France.”

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About the Author Rory

Rory Ramsden is a French property finder and buyer's agent working for high net worth private clients wishing to buy a chateau, manor or vineyard in the south west of France. He has lived in France for 8 years after spending time travelling the world on business.

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