Required documentation

    Following the changes in the mortgage application process of some EU countries, it is now easier to get a mortgage in France than in many of its neighbours (particularly the UK). Of course, the French are still very protective over their financial markets, including those relating to French second home mortgages products but in many ways this is why it is possible to source such favourable rates over such long periods. Below is a list of all the French mortgage documents you’ll need to collate in order for us to compile your official mortgage application. But first, why not let us create you a free no-obligation quote.

    Financial details

    • Last 3 months bank statements, for each borrower, for ALL accounts
    • If you are not a home owner you must provide your rental agreement and proof of the rent you pay
    • If you pay council tax, please provide the statement or invoice.
    • Proof of any extra income. You will need to provide tax returns showing rental income, pensions and dividends.
    • Proof of the origin of your personal contribution (savings account, bonds etc)

    Personal details

    • Copies of all borrowers’ passports
    • Copy of marriage certificate if applicable
    • Copy of divorce agreement if applicable
    • Proof of home address (utility bill, council tax, etc)

    Employment details and documentation

    • Last 3 months pay slips
    • Last 2 P60’s or tax returns

    Self-employed documentation

    • The last 3 years accounts for the company
    • Last 2 years personal tax returns
    • Certified accountant’s letter stating income for last 2 years

    Mortgage application form

    • Mortgage application form
    • Life insurance questionnaire (may be sent to you by post at a later date)
    • French bank account application form

    Download application form