Market Update from March 2026
Posted on 18 Mar 2026
in French Private Finance
The current international situations impact the French mortgage rates. How much does it cost you?
The current international situations impact the French mortgage rates. How much does it cost you?
We have a better visibility on the products and services offered by the banks and a better stability on the rates.
Market Update The ECB decided in April to cut their interest rates by another 25 basis points. It is believed that there should be another cut going into the Summer (June onwards). Clients and other actors in the industry are therefore hoping to see an improvement on the French market. So why is my French […]
Our head office in London is thrilled to announce an exciting new partnership enabling Private Finance Group to provide you an even more complete mortgage service across your European and UK property portfolios. We are working hand in hand with Mortgage One, a leading UK finance expert to deliver you the best UK mortgage advice […]
One of our main lenders is opening its doors to more Expatriates around the world!EU Expatriates living in Singapore, Hong Kong and UAE can now apply for a French mortgage with a Loan-to-Value from 60 to 80%, depending on how long they have been living there (+/- 5 years).US Expatriates are also invited to the […]
My New Year’s resolution is to be more optimistic in general, looking at the glass half full rather than… oh well, you know the rest. Well, it seems that the market is trying to help me maintain this positive attitude as the banks announced their new rates and they all have dropped. Some have been even smashed!
I sat for a while thinking about how I could review 2023 so I decided to look at how I reviewed 2022 12 months ago.
My introduction was the following: ‘’2022 was challenging at times for those looking to finance their French property purchase. However, whilst conditions will remain tight as we move into 2023…’’ Talk about an euphemism!
What is new with the French mortgage market in La Rentree 2023? Well, let’s find out the good, the bad and the ugly.
What is new with the French mortgage market in La Rentree 2023? Well, let’s find out the good, the bad and the ugly.
The French tax office requires a new reporting request called “déclaration d’occupation”, “declaration of usage”
A bit of sunshine on the French mortgage market coming your way! One of our main lenders is coming back after a hiatus to finance existing and off-plan properties all over the country.
Following the recent difficulties for the banks to be profitable (40% of the mortgage applications were / are being turned down), the Banque de France has decided to review its system.
France has not escaped the rise of rates over the last few months. Yet these increases have not been to the level seen in countries like the UK.
In France, as the rates were extremely low to begin with, the recent rise puts them back in the realm of normality, which you can see here.
As you can see, rates have been extremely low (under 2,5%) in France for around half a decade. During this period we’ve seen a gradual constriction of the market, with fewer mortgage products on the market and even fewer banks offering non-resident mortgages at all.
Yet with such low rates, is anyone really surprised the market has ended here? As much as many consumers are programmed to loathe banking institutions (unless it favours or benefits them), if there is such little money in a market, is it a surprise that the products within that market have dwindled?
