Purchase process

    Your mortgage is about your future. So we’re committed to a long-term relationship. Yet with owning a property in France almost always being a long-term affair, you will want to know more about the French property purchase process. Here’s a quick summary of how it works.

    French property purchase process
    French property purchase process

    Decide on your budget

    If you’ve been looking to buy a French property for a while you will probably already know your budget, whether it be a cash-only or financed purchase. If the latter, it doesn’t matter if you haven’t found that dream French home, at this stage it is still wise to seek expert advice in order to find out how much you might be able to borrow. You never know, your budget might just increase as a result!

    French Private Finance can provide decisions-in-principle for a huge range of banks and mortgages. We’ll keep you updated on any changes in the mortgage types you’re interested in – and keep searching for the best option right until you sign to buy your dream French property.

    Calculate how much your French mortgage might cost.

    Decide on a property

    Once you have chosen you property in France, in order to secure a French mortgage you will need a signed reservation contract or promise of sale document. At this stage, if you haven’t already done so, it would probably be a good idea to begin gathering the other required documents too.

    We have made a handy list of the documents you will require here .

    See what documents you’ll need

    Secure your rate

    This will happen once the selected bank is in receipt of a full application, with supporting documentation.

    Accept offer

    The offer will be valid for 6-12 months from signature.


    The Notary receives the mortgage offer, and you sign for transfer of the title deeds.