Terms and Conditions

French Private Finance – Terms & Conditions

Who we are:

We are French Private Finance (formally Athena Mortgages Ltd), a France only- French mortgage brokerage based at:

45 Holmead Road,SW6 2JD,v rue de Varenne, Paris 75007 11 and Raven Wharf, Lafone Street, London SE1 2LR.

French Private Finance Ltd is a credit intermediary with FCA authorisation number 741190.

What we do:

We act as intermediary between international buyers of French property and a range of French Retail banks and International Private banks. We provide a range of options from which you can select the option that is best for your purchase.

Our charges:

References to “you” or “your” are references to any person accessing this web-site (“Site”).
It is free to apply for a mortgage with us. You will have no charge unless we are successful. We may receive a commission from the French bank as payment for preparing your application. In some cases we may find that the best offer is via a bank who do not offer commission, in which case an additional broker fee will be charged which will range from 0.25% to 2%.
 All charges will be made clear from the outset, as we clearly layout all main property purchase costs to you in addition to full transparency on mortgage related costs. 
In the event a broker fee is payable, this will be charged upon your acceptance of any mortgage we obtain for you and is payable within seven days.

Other services:

We can also arrange for French bank accounts to be opened (fee payable unless you are taking a mortgage with us) and can refer you to our providers for French insurance, Currency and other professional services.

General terms and conditions for advertisements:

General disclaimer: Your rate may differ from the advertised rate. Loans are subject to status. Early settlement fees may apply. French Private Finance Ltd is a credit intermediary with FCA authorisation number 741190.
YOUR PROPERTY IS AT RISK OF REPOSESSION IF YOU DO NOT KEEP UP YOUR PAYMENTS FOR A MORTGAGE OR OTHER SECURED LOANS.

The final terms and conditions of any loan will be found in the French version of the mortgage offer. Any translations into other languages do not hold weight and cannot be relied upon under French law.

Rates may change at any time and the final rate will only be secured once you receive your mortgage offer.

All mortgages are subject to status and eligibility criteria which can change at any time.

French Private Finance do not guarantee that you will obtain the lowest rate on the market. We work with a panel of lenders with whom we have a track record of obtaining loan offers on a cross border basis. In some cases we may work with new providers where our knowledge of lending committee decisions may be less extensive. In which case it may be that the offer is not forthcoming from the bank in France.