French mortgages for International buyers

Athena Mortgages is the leading multilingual French mortgage broker for international buyers seeking French property finance and loans. Focusing exclusively on mortgages in France, we can provide expert knowledge of the current French mortgage best buys for second homes, investment property finance, remortgage and equity release loans.

French Mortgage Best Buys

Best second home mortgages

Rate Max Term LTV Notes
3.8 % 25 years 100% The rate is capped +1/-1    
2.6 % 30 years 85% Variable rate. Fixed 3 months then Euribor+ 1.95%    
2.20 % 30 years 80% Fixed one year then Euribor1.35%, capped at 4.75%    
4.36 % 25 years 90% Fixed for the whole term    

Best buy to let mortgages

Rate Max Term LTV Notes
3.8 % 25 years 100% The rate is capped +1/-1    
2.6 % 30 years 85% Variable rate. Fixed 3 months then Euribor+ 1.95%    
2.20 % 30 years 80% Fixed one year then Euribor1.35%, capped at 4.75%    
4.36 % 25 years 90% Fixed for the whole term    

Best leaseback mortgages

Rate Max Term LTV Notes
3.8% 25 years 100% The rate is capped +1/-1    
2.6 % 30 years 85% Variable rate. Fixed 3 months then Euribor+ 1.95%    
2.20 % 30 years 80% Fixed one year then Euribor1.35%, capped at 4.75%    
4.75% 30 years 85% Fixed 10 years  then Euribor+ 1.60%    

Best equity release and refinancing mortgages

Rate Max Term LTV Notes
3.65 % 30 years 70% 5 year fixed rate 3 month Euribor +1.65    
3.25 % 30 years 70% Fixed 3 months  then Euribor+ 2.5%    
3.35% 20 years 85% Fixed 3 months then Euribor+ 2.6%    
4.8% 30 years 80% Fixed for the whole term    
See complete list  

French Mortgage Calculator

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We are with you for the long term, providing fast, efficient assistance during the entire purchase process, throughout your ownership of the property and eventual remortgage or sale.Please view the video on the left for an insight into our approach to customer service and finding competitive mortgages in France.


Our blog

The French Mortgage Blog

Here you’ll find news, comment and analysis on the French property market. You can also hear what we’ve been up to at Athena, and links to other sites we find interesting.
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How we can help

  • Work out your maximum loan.
  • Source the best loan options.
  • Reduce the paperwork.
  • Keep you updated.