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French Mortgages

  • Lowest rates on the market
  • Calculate affordability in minutes
  • High street lenders & private banks
  • International investment finance

Private Banking Structures

  • Compare private banking offers
  • Portfolio refinancing & equity release
  • Tax efficient
  • On purchases above €1.0m

Financial Services

  • Private banking frameworks
  • International payments
  • Insurance
  • Corporate & business finance
  • Legal & tax advice


Find the best mortgages in France using our French mortgage best buy tables or call one of our experts for a bespoke quote with free decision in principle.

Pure RateAPRC
(for €100k)
1.90%3.04%20yrs80%Tracker mortgage +1.9%
80% Rate fixed for the term
2.15%2.64%20yrs 80%
Rate fixed for the term
2.60%3.16%20yrs85%Rate fixed for the term
85% Rate capped +1.5% for 13yrs
2.45%2.92%25yrs 80% Rate fixed for the term
2.70%3.23%25yrs 85% Rate fixed for the term
Pure RateAPRC
(for €100k)
2.50%3.13%14 yrs75%Tracker 3 month Euribor + 2.80%
2.50%3.13%25 yrs 75% Variable tracker with cap at 4.00% for 10 years
3.05%3.68%14 yrs75%Fixed rate. Loans over €500k).


  • Speak directly with expert French mortgage brokers
  • Widely quoted across international press & media
  • Receive up-to-date market insight and no obligation advice
  • Friendly team of efficient multilingual staff

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    • Call for a French mortgage decision in principle in minutes
    • Receive bespoke quotations by return from a panel of local branches, international platforms and private banks
    • Reduce the paperwork and language burden.
    • Enjoy peace of mind from a clear and transparent process.

Listen to John Busby from French Private Finance on the Financial Times’ most popular podcast.

Listen to French Mortgage expert John Busby on the Financial Times podcast.

Listen to John Busby on the Financial Times’ most popular podcast.

Without John and his team’s hard work, it is unlikely that we would have secured a mortgage for our French property on such agreeable terms. They were professional throughout the process and quick to answer any question that arose. As a London resident, I could not imagine buying a property in France without them.
Scott Cobb
United Kingdom
I’d like to take this chance to thank everyone at French Private Finance for your patience, expertise and dedication to arranging this mortgage, and concluding this matter for me.
Mike H.
United Kingdom
You are incredibly professional in every way, and very helpful. I couldn’t be happier with all the work you did for me.
Paul W.
United Kingdom
Securing a French mortgage can be very hard for a non-French speaker. Laure and the team made the process simple for me, at every stage, answering all my questions.
Stewart C.
Czech Republic

Press about us

French Mortgages – why is now the best time to secure yours?

French mortgage rates have dropped to all time lows, with rates not seen in over 70 years. With such low French mortgage rates, non-resident investors can now lock in huge amounts of long term value.

A great example of this is with repayment French mortgages where you can now secure an incredible rate of 3.00% for 20 years with a loan-to-value of 80%. Compared to the vast majority of countries in Europe and also further afield, French mortgages offer by far the cheapest lending.

However, lending criteria can strict, so we advise you to speak with a French mortgage specialist who will be able to give you a decision in principle within a few minutes.

French mortgage? Why choose French Private Finance?

  • We meet with our contacts at French banks regularly – very few French mortgage companies this
  • This enables us to secure the best French mortgage deals on the market
  • Our friendly no-obligation service takes all the stress out of the process

Try out our useful French mortgage tools and see for yourself

Find out more

Terms & Conditions:

Who we are: We are French Private Finance (formally Athena Mortgages Ltd), a France only- French mortgage brokerage based at: 45 Holmead Road,SW6 2JD, Rue de Varenne, Paris 75007 11 and Raven Wharf, Lafone Street, London SE1 2LR. French Private Finance Ltd is a credit intermediary with FCA authorisation number 741190.

What we do: We act as intermediary between international buyers of French property and a range of French Retail banks and International Private banks. We provide a range of options from which you can select the option that is best for your purchase.

Our charges: References to “you” or “your” are references to any person accessing this web-site (“Site”).
It is free to apply for a mortgage with us. You will have no charge unless we are successful. We may receive a commission from the French bank as payment for preparing your application. In some cases we may find that the best offer is via a bank who do not offer commission, in which case an additional broker fee will be charged which will range from 0.25% to 2%.
 All charges will be made clear from the outset, as we clearly layout all main property purchase costs to you in addition to full transparency on mortgage related costs. 
In the event a broker fee is payable, this will be charged upon your acceptance of any mortgage we obtain for you and is payable within seven days.

General terms and conditions for advertisements: General disclaimer – Your rate may differ from the advertised rate. Loans are subject to status. Early settlement fees may apply. French Private Finance Ltd is a credit intermediary with FCA authorisation number 741190.


The final terms and conditions of any loan will be found in the French version of the mortgage offer. Any translations into other languages do not hold weight and cannot be relied upon under French law. Rates may change at any time and the final rate will only be secured once you receive your mortgage offer. All mortgages are subject to status and eligibility criteria which can change at any time. French Private Finance do not guarantee that you will obtain the lowest rate on the market. We work with a panel of lenders with whom we have a track record of obtaining loan offers on a cross border basis. In some cases we may work with new providers where our knowledge of lending committee decisions may be less extensive. In which case it may be that the offer is not forthcoming from the bank in France.