The documents required to support a French mortgage application are as follows:
Identity Details
– Certified copy of a passport for each borrower
– 2nd proof of ID (ideally birth certificate, or, alternatively, a driving licence) for each borrower
– Copy of marriage / divorce certificate
– Utility bill less than 2 months old (electricity, gas, water) – council tax is not allowed by French banks
Employment Details
If employed
– Headed letter of the employer specifying professional status, length of service, gross annual income and bonuses for the last 3 years
– Last 3 months’ payslips
– Last 3 years’ P60s and tax returns
If self-employed
– Last 3 years of the company accounts (with profit and loss)
– Last 3 years’ tax returns
– An accountant’s letter breaking down your income for the past three years. This should include salary, dividends and any other income. For the company, it would be good to have, in the same letter, confirmation of the last three years’ turnover and net profit/loss. If the accountant could add a word on the financial stability of the company and its ability to continue to support your income from its activity, that would be helpful.
If Societe Civile Immobiliere
– KBIS extract less than 3 months old
– Status of the SCI or project of the status if the SCI is being put in place
– Last 3 months’ bank statements
– RIB / IBAN (account details)
Financial Details
– Last 3 months’ bank statement of all current accounts
– Last 3 months’ bank statement of all savings accounts
– Copy of the most recent loan statement or the original offer
– Last 3 months’ statements of your credit card bill
– Email explaining large and regular transactions
Property Details
Applicant’s Main Property
– Tenancy agreement signed
– Title deed from land registry and copy of the most recent mortgage statement or the original mortgage offer
Other investments property(ies)
– Title deed from land registry and copy of the most recent mortgage statement or the original mortgage offer
– Tenancy agreement signed if rented out, any recent documents proving your rental income such as lease contract if no tenancy agreement
Property to finance
– Contact details of someone at the property for its valuation by the bank
– Copy of compromis de vente (contract of sale) signed by both parties
– Copy of reservation contract signed by both parties
Situational
– Quotes from builders for any proposed works by the new buyer
– Marches de travaux (works contracts)
– Assurances decenale for each builder (a guarantee on any work done on the property)
– Architect contract (for major building works)