French leaseback mortgages are for a specific type of buy to let property in France where a buyer purchases the freehold of the property as normal then leases it back to a management company for an agreed rental yield.
- Up to 90% LTV rates achieveable
- Fixed 25 year repayment rates from as little as 3.25%
- Smooth process, all full explained
- Transparent costs
French leaseback properties are almost always located in areas with high tourism appeal, so that a management agency can be confident of the returns it has promised to the owners it is in business with. Leaseback properties can be villas, apartments, town houses or chalets and the most common locations for leaseback properties are the French Alps, the Cote d’Azur & big cities like Paris.
The Best French Leaseback Mortgages
Financing a French leaseback property by using one of our French leaseback mortgages secured on the asset is reasonably straightforward for non-residents. We offer lots of different types of mortgage products, each specifically tailored to suit a buyers plan for their French leaseback property.
There are a variety of interest rates available and these rates can be fixed or variable. The interest rate payable for each mortgage is determined by how much of a loan is required compared to the value of the property – i.e. LTV (Loan to Value) rate. Depending on a buyers requirements and affordability profile normally up to 90% LTV can be achieved.
Any guaranteed rental income generated by your property may be used to cover your French leaseback mortgage payments and this would be factored into your affordability calculation. This can often mean that you can afford to apply for a larger mortgage amount than you might otherwise be able to do so for a standard (non-leaseback) property in France.
|Rate description||Max term||Type||LTV||Deferred payment||Bank set up fees||Early repayment fees|
|1.90%||3.04%||Fixed for 3 months at 2.5% then Euribor 3 months +1.90%||20 years||Tracker repayment||80%||24 months||1% capped||None||Enquire|
|1.95%||2.47%||Fixed rate for the term||15 years||Fixed repayment||80%||24 Months||1% capped||6 months interest on the amount repaid||Enquire|
|2.15%||2.64%||Fixed rate for the term||20 years||Fixed repayment||80%||24 Months||1% capped||6 months interest on the amount repaid||Enquire|
|2.60%||3.16%||Fixed rate for the term||20 years||Fixed repayment||85%||24 Months||1% capped||6 months interest on the amount repaid||Enquire|
|2.20%||2.73%||Euribor 3 months and capped +1.5% for 10 years||25 years||Capped repayment||85%||24 Months||1% capped||None||Enquire|
|2.45%||2.73%||Fixed rate for the term||25 years||Fixed repayment||80%||24 Months||1% capped||6 months interest on the amount repaid||Enquire|
|2.70%||3.23%||Fixed rate for the term||25 years||Fixed repayment||85%||24 Months||1% capped||6 months interest on the amount repaid||Enquire|
|Pure Rate||APRC (for €100k)||Rate description||Max term||Mortgage type||LTV||Deferred payment||Bank set up fees||Early repayment|
|2.50%||3.13%||Tracker 3 month Euribor + 2.80%||14 years||Interest only||75%||24 Months||1% capped||None||Enquire|
|2.50%||3.13%||Variable tracker with cap at 4.00% for 10 years||25 years||Interest only up to 7 years, 18 years repayment||75%||24 Months||1% capped||None||Enquire|
|3.05%||3.68%||Fixed rate for the term||14 years||Fixed interest only||75%||24 Months||1% capped||1.525% of early repayment amount||Enquire|