French Mortgage Calculator – How does it work?

Use our French mortgage calculator to find out how much it might cost you to borrow money in France. Put in the amount you wish to borrow and then how long you would like the duration of the French mortgage to be. Then, by using the table of latest rates below, put in your chosen rate.

Important Notes: This French mortgage calculator is for guidance only. It does not constitute an offer and does not take into account your personal eligibility for a loan. Just as with mortgages elsewhere, your ability to qualify for a repayment or interest only French mortgage and the maximum loan amount will depend on your personal financial situation. To request your personal decision in principle and get detailed quote please get in touch.

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Calculator

MORTGAGE AMOUNT
DURATION (YEARS)
INTEREST RATE (%)
Monthly repayment (Interest and Capital):
Monthly payment (Interest only):
Pure rateAPRC
(for €100k)
Rate descriptionMax termTypeLTVDeferred paymentBank set up feesEarly repayment fees 
1.50%2.21%Variable20 yearsTracker repayment70% (100% LTV with 30% collateral)24 months1% cappedNoneEnquire
1.55%2.13%Fixed for the term 20 yearsFixed repayment70% (100% LTV with 30% collateral to be held in €)24 months€2,0006 months interest on the amount repaidEnquire
1.85%2.41%Fixed for 3 months at 1.85% then Euribor 3 months +2.15%20 yearsTracker repayment85%24 months1% cappedNoneEnquire
2.20%2.78%Fixed rate for the term20 yearsFixed repayment70%24 months1% capped6 months interest on the amount repaidEnquire
2.55%3.10%Fixed rate for the term 25 yearsFixed repayment 85%24 Months1% capped6 months interest on the amount repaidEnquire

Learn more about Repayment Mortgages
Repayment Mortgages are generally more expensive as you have to pay the interest on the €100,000 and also pay off a portion of the capital. These mortgages are often called ‘capital and interest’ mortgages. The payment for €100,000 now rises to say, €7,200 per year, or almost double. Repayment mortgages are best used for main residences or for investments, like leasebacks, where the aim is to pay the mortgage off and enjoy the income. Repayment mortgages (prêt ammortissables) are the most common mortgage in France and offer the most protection.

Pure RateAPRC (for €100k)Rate descriptionMax termMortgage type LTVDeferred paymentBank set up feesEarly repayment 
1.87%2.58%Fixed rate for the term5 yearsFixed interest only100% (min AUM of €1m)None1% capped6 months interest on the amount repaidEnquire
2.30%

2.96%Tracker 3 month Euribor + 2.60% 14 years Interest only75% 24 Months1% cappedNoneEnquire
2.59%3.11%Fixed for the term10 years Interest only100% (min AUM of €1m)None1% cappedNoneEnquire
2.55%3.35%Fixed rate for the term7 yearsFixed interest only75%24 Months1% capped6 months interest on the amount repaidEnquire