Private banking in France

Private banking rates for French can be as low as 1.8% fixed for 5 years or 1% on a variable basis depending on the size of your relationship with the bank.

Private banks generally use the carrot of a mortgage on a French property as a way to gain new relationships. For a mortgage on the property the minimum assets to be transferred to the bank will be 1M.

Use our curated and trusted network of banks, accountants and professionals to optimise your purchase in France.

Find out more

Pure RateAPRC
(for €100k)
TermLTVNotes
1.90%3.04%20yrs80%Tracker mortgage +1.9%
1.95%2.47%15yrs
80% Rate fixed for the term
2.15%2.64%20yrs 80%
Rate fixed for the term
2.60%3.16%20yrs85%Rate fixed for the term
2.20%2.73%25yrs
85% Rate capped +1.5% for 13yrs
2.45%2.92%25yrs 80% Rate fixed for the term
2.70%3.23%25yrs 85% Rate fixed for the term
Pure RateAPRC
(for €100k)
TermLTVNotes
2.50%3.13%14 yrs75%Tracker 3 month Euribor + 2.80%
2.50%3.13%25 yrs 75% Variable tracker with cap at 4.00% for 10 years
3.05%3.68%14 yrs75%Fixed rate. Loans over €500k).

Current Private banking rates in France

These structures are available for straight forward purchases, to refinance your existing mortgage or to release equity from your property in France.

Using these kinds of structures for new build or development work will require increased collateral until the property is complete.

Private Banking – Why people us this option

Our clients choose to take a loan from a Private Bank when they do not wish to liquidate the investments they have in order to buy the property. Our clients see the value of the loan in terms of the low interest rate and how it can be used to optimise the purchase from both and income tax and French Wealth tax perspective. Some might say it is a version of having your cake, eating it too whilst losing some weight.

CONTACT USSCHEDULE A CALL

Transaction of a month

2.45% over a fixed rate of 25 years
€640,000 apartment Courchevel,
French Alps – March 2017

It was great to see fixed rates back to these historic lows. A fixed rate for 20 years at 3.25% creates a lot of value over the long term. This was a 70% loan on a leaseback property in Les Menuires in the Three Valleys priced at €330,000 excluding VAT. The property has a guaranteed rental income of 3.3% and a week in high, medium and low season.

Find out more

French Mortgage Guide

Discover

  • Speak directly with expert French mortgage brokers
  • Widely quoted across international press & media
  • Receive up-to-date market insight and no obligation advice
  • Friendly team of efficient multilingual staff

Find out more