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French Mortgages, Mortgages in France.

A service from the online mortgage information and application processing system. French Mortgage Rate

Obtaining a French Mortgage or Remortgage for territories of France need not be a stressful experience, although in many instances it can be - without the correct advice. At we deal with all French Banks, all of them with different rates and criteria. Loan-to-value percentages, range from 50% to 100% dependent on the bank and whether you are a resident or non resident. The most popular funding we offer for non residents is up to 90% of the French property purchase price, which we find is rare with Mortgages in France. Residents can often borrow higher amounts.

Sourcing French Mortgages
Some French banks we find will only deal with residents of France, some with only non-residents and some offer the mortgage to both groups through a different percent LTV (loan to valuation of the property in France) and interest rate. The APR can start as low as 3.00% rising to a staggering 7% in some extreme cases, dependant on circumstances. 
French Mortgage Rates

Proof of income is often a stumbling block for mortgagees this is due to the fact that if in the case of you being paid in cash or if your accountant has worked wonders to mitigate your tax liability, how can you prove to a bank that you can afford the repayments? This is just one common area where our advice proves invaluable. Some lenders wont let you rent out your new property in France which is often essential to produce much needed additional income to help fund your new French holiday home or future retirement home in France. We have no problem at all arranging French buy to let properties for temporary or permanent investment arrangements in France up to 90% of the value of the property for residents and non residents of France.

European Mortgages .com is a marketing scheme from one of the first UK mortgage brokers to trade on the internet, to read about our history click here. We offer a form of limited proof of income French mortgages, where reams and reams of documents are not required. We also pride ourselves in offering rare to find adverse credit mortgages in France where debts and poor credit ratings are not taken into account. These types of mortgage are not offered by the banks to High St customers and are only available to professional mortgage brokers in France. If you have read enough and are ready to make an application with us simply  You can even start applying for mortgages in France right here off this page. French Loan Rates

Which Nationalities can Apply for a French Mortgage or Loan
We can work with people of all nationalities and are happy to provide a service all in writing via our internet systems, this makes updates and queries much easier to handle and digest.

How much Mortgage
This is another area where the banks differ widely in their criteria. If it is a straight forward residential property purchase then most banks will make an offer, this is however often only 50% of the actual declared French property purchase price, we offer upto 90% for non residents This lower amount makes life very difficult for people buying mortgages in France as often the difference between the actual purchase price and the declared purchase price is huge. We have seen this problem on many occasions and our lenders offer us superb flexible arrangements to get around this problem in most cases.

Purpose of Loans

French Mortgages can be found for all of the following circumstances (although no one lender will offer them all).

Rural French Properties
Urban Property in France
French Mortgage Rates
Multiple property purchases in France
French Mortgages in territories
Mortgages in islands of France
French Equity release
Commercial Property in France
French Building Loans