French Mortgage Calculator

French Mortgage Calculator & Rates 2023

How much can I borrow?

How much will it cost?

Rates 2023

Enter your gross annual income and your total monthly fixed outgoings

Please fill all fields

? Gross annual income in Euros as per tax returns or P60. You can include rental income here as well.

? Enter the total for your fixed monthly commitments for loans and alimony. Do not include payments for utility bills.

? Select a Repayment or Interest Only product to see how much you can afford.

Create your purchase guide

? Please enter the purchase price of the property you want to buy excluding notary fees.

? Please put here the total amount of equity you would like to put into the property.

? Please select the type of property you are looking to buy: existing or yet to be built.

? Select a Repayment or Interest Only product to see how much you can afford.

This produces a potential purchase guide of...

€

? This is the amount which a bank might lend you – this is not an offer.

Loan Amount

? This is the percentage of the loan versus the purchase price of the property.

Loan to value (LTV) %

€

? This amount includes the equity you place into the property and an estimation for the additional fees and taxes. See here for more information

Personal contribution inc. fees & taxes

€

? Any amount in this box is an estimation of the amount a bank may wish you to place with them for this type of product. It may be pledged for the duration of the loan.

Savings to be placed with the bank

? Pure rate. Not the APRC. For the APRC, please read the description below.

Capital repayment over 20 years

€

? This is your estimated monthly payment for your mortgage. It excludes the insurance.

Your spend on a mortgage per month

Pure rate (APRC)	Max term (years)	Max LTV	Notes
3.80% (4.21%)	20	100%	Fixed rate for the term. Early repayment charges are limited to 6 months interest. It may vary should you buy with a company vehicle. A collateral of 40% of the mortgage amount is required. APRC based on a new build property. Purchase price of minimum 1M€.
Fixed rate for the term. Early repayment charges are limited to 6 months interest. It may vary should you buy with a company vehicle. A collateral of 40% of the mortgage amount is required. APRC based on a new build property. Purchase price of minimum 1M€.
3.50% (4.10%)	20	90%	Fixed for the term. 20% of the purchase price required in savings. Early repayment charges are limited to 6 months interest. It may vary should you buy with a company vehicle. This product is not available if you have any link with the UK. APRC based on a new build property.
Fixed for the term. 20% of the purchase price required in savings. Early repayment charges are limited to 6 months interest. It may vary should you buy with a company vehicle. This product is not available if you have any link with the UK. APRC based on a new build property.
5.80% (5.89%)	25	85%	Fixed rate for the term. Early repayment charges are limited to 6 months interest. A French limited company must be set up. APRC based on a new build property.
Fixed rate for the term. Early repayment charges are limited to 6 months interest. A French limited company must be set up. APRC based on a new build property.
5.70% (5.81%)	20	85%	Fixed rate for the term. Early repayment charges are limited to 6 months interest. A French limited company must be set up. APRC based on a new build property.
Fixed rate for the term. Early repayment charges are limited to 6 months interest. A French limited company must be set up. APRC based on a new build property.
4.72% (5.18%)	20	80%	Fixed rate for the term. 30,000 € required in savings with the bank. Early repayment charges are limited to 6 months interest. Early repayment charges are limited to 6 months interest. APRC based on a new build property.
Fixed rate for the term. 30,000 € required in savings with the bank. Early repayment charges are limited to 6 months interest. Early repayment charges are limited to 6 months interest. APRC based on a new build property.
4.17% (4.63%)	20	80%	Variable rate following the Euribor 12 months. Capped at +1% in the increase so 4.17% +1 --> 5.17%. No cap when the rate decreases. 30,000 € required in savings with the bank. Early repayment charges are limited to 6 months interest. APRC based on a new build property.
Variable rate following the Euribor 12 months. Capped at +1% in the increase so 4.17% +1 --> 5.17%. No cap when the rate decreases. 30,000 € required in savings with the bank. Early repayment charges are limited to 6 months interest. APRC based on a new build property.
4.80% (5.25%)	20	70%	Fixed rate for the term. Early repayment charges are limited to 6 months interest. It may vary should you buy with a company vehicle. A small collateral (6 months of mortgage instalments required. This lender is specialised in high-end properties and purchases with a company vehicle (such as SARL). Minimum purchase price of 1.5M€. APRC based on a new build property.
Fixed rate for the term. Early repayment charges are limited to 6 months interest. It may vary should you buy with a company vehicle. A small collateral (6 months of mortgage instalments required. This lender is specialised in high-end properties and purchases with a company vehicle (such as SARL). Minimum purchase price of 1.5M€. APRC based on a new build property.

Pure rate (APRC)	Max term (years)	Max LTV	Notes
5.60% (5.88%)	10	100%	Fixed rate for the term. (min collateral of €2M). An additional 5 years term is available. Early repayment charges are limited to 6 months interest. It may vary should you buy with a company vehicule. APRC based on a new build property.
Fixed rate for the term. (min collateral of €2M). An additional 5 years term is available. Early repayment charges are limited to 6 months interest. It may vary should you buy with a company vehicule. APRC based on a new build property.
4.50% (4.97%)	7	100%	Fixed rate for the term. (min collateral of €1M). Early repayment charges are limited to 6 months interest. It may vary should you buy with a company vehicule. APRC based on a new build property.
Fixed rate for the term. (min collateral of €1M). Early repayment charges are limited to 6 months interest. It may vary should you buy with a company vehicule. APRC based on a new build property.
5.85% (5.94%)	7	75%	Fixed for the term. The mortgage start with an interest only loan for up to 7 years and is then followed by a repayment loan for up to 18 years. The affordability is based on the repayment mortgage over 18 years. Early repayment charges are limited to 6 months interest. A French limited company must be set up. APRC based on a new build property.
Fixed for the term. The mortgage start with an interest only loan for up to 7 years and is then followed by a repayment loan for up to 18 years. The affordability is based on the repayment mortgage over 18 years. Early repayment charges are limited to 6 months interest. A French limited company must be set up. APRC based on a new build property.

ERCs: Early repayment charges are limited to 6 months interest and are applicable with fixed rates only

Enter details of your gross annual income converted into euros into the box on the left and your total monthly out goings for loans, personal loans, car loans, mortgages, alimony. You can exclude payments for school fees and insurances. Then select a product type and see how much you can afford. If you have a lot of buy to let mortgages then add the rent to your annual income and do contact us for a final check Learn more

Important notes:

1. Off plan property purchases can also be financed by French banks before construction is complete. Read more here
2. The affordability calculation to find out how much you can borrow from a French bank is based on a debt to income ratio using your gross annual income and your contracted payments for financial related outgoings for loans. Read more here
3. Once you complete the application form and send it to us we can get a decision in principle. The rest of the process to get a mortgage in France can take 2 to 3 months.. Read more
4. This calculator does not perform credit checks. A credit check will sometimes be performed by a French bank. Read more

Receive a copy of your purchase guide by email

All figures above are an estimation and are suject to change at any time.
All finance is subject to status, with complete terms found in the actual mortgage offer.

Frequently asked questions

Still have questions? Please view our ultimate guide to French mortgages

View guide