Market Update from September 2023

Posted on 15 Sep 2023 in French Private Finance
Market Update from September 2023

What is new with the French mortgage market in La Rentree 2023? Well, let’s find out the good, the bad and the ugly.

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Market Update from June 2023

Posted on 14 Jun 2023 in French Private Finance
Market Update from June 2023

The French tax office requires a new reporting request called “déclaration d’occupation”, “declaration of usage”

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Market Update from April 2023

Posted on 03 Apr 2023 in Market
Market Update from April 2023

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.

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The Banque de France is changing (a bit) its system

Posted on 27 Jan 2023 in Newsletter
The Banque de France is changing (a bit) its system

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.

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Why is the rising of French mortgage rates a good thing?

Posted on 16 Dec 2022
Why is the rising of French mortgage rates a good thing?

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?

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The ‘’Taux d’usure’’ is increasing and it is not that bad of a thing!

Posted on 20 Jul 2022
The ‘’Taux d’usure’’ is increasing and it is not that bad of a thing!

An increase of the ‘’taux d’usure’’ may increase your chances of being financed!

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