French mortages

Frecnh mortage rates have dropped to all time lows, lows with rates not seen in over 70 years. With such low mortgage rates in France, non-resident buyers can now lock in huge amounts of long term value.

A great example of this is with repayment French mortages where you can now secure an incredible rate of 2.15% for 20 years with a loan-to-value of 80%. Compared to the vast majority of…

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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).

Mortgage rates

Find the best mortgages in France using our French mortgage best buy tables or call one of our experts for a bespoke quote with free decision in principle. Find the best mortgages in France using our French mortgage best buy tables or call one of our experts for a bespoke quote with free decision in principle.

French Mortgages – Why now?

A great example of this is with repayment French mortgages where you can now secure an incredible rate of 3.00% for 20 years with a loan-to-value of 80%. Compared to the vast majority of countries in Europe and also further afield, French mortgages offer by far the cheapest lending. However, lending criteria can strict, so we advise you to speak with a French mortgage specialist who will be able to give you a decision in principle within a few minutes.

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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.

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French Mortgage Guide

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