Choosing the best French mortgage for you

We are experts in French leaseback, buy-to-let, and second home mortgages – as well as French equity release. Take a look at our handy at-a-glance best buy mortgage tables, to get an idea of your options. Or simply call us, and we can discuss them with you.

French Second home mortgage best buys
French Buy-to-let mortgage best buys
French Leaseback best buys
French Equity release best buys

Second home mortgage best buys: French mortgages for second homes in France

Rate from	Notes	Max Term	Mortgage type	LTV	Deferred payment	Bank set up fees	Early repayment	Comments
3.8 %	The rate is capped +1/-1	25 years	Repayment	100%	36 months	1%	None, except in the case of remortgaging
2.6 %	Variable rate. Fixed 3 months then Euribor+ 1.95%	30 years	Repayment	85%	24 months	1% of the amount of the loan up to €1,500	None as long as the rate remains variable	Monthly payment increases are capped to the rate of inflation
2.20 %	Fixed one year then Euribor1.35%, capped at 4.75%	30 years	Interest only + repaymentt	80%	24 months	1% up to 3000€	3% of the capital being repaid during the Interest only period then free except in case of remortgage	2 years of interest only followed by repayment period to 26 years
4.36%	Fixed for the whole term	25 years	Repayment	90%	24months	Up to 950€	3% of the capital being repaid or 6 months interest, whichever is the lower	Negotiation on early repayment fees after 9 years
+10% of the loan amount to put on a side investment

Buy-to-let mortgage best buys French mortgages for your best buy-to-let options in France

Rate from	Notes	Max Term	Mortgage type	LTV	Deferred payment	Bank set up fees	Early repayment	Comments
3.8 %	The rate is capped +1/-1	25 years	Repayment	100%	36 months	1%	None, except in the case of remortgaging
2.6 %	Variable rate. Fixed 3 months then Euribor+ 1.95%	30 years	Repayment	85%	24 months	1% of the amount of the loan up to €1,500	None as long as the rate remains variable	Monthly payment increases are capped to the rate of inflation
2.20 %	Fixed one year then Euribor1.35%, capped at 4.75%	30 years	Interest only + repaymentt	80%	24 months	1% up to 3000€	3% of the capital being repaid during the Interest only period then free except in case of remortgage	2 years of interest only followed by repayment period to 26 years
4.36%	Fixed for the whole term	25 years	Repayment	90%	24months	Up to 950€	3% of the capital being repaid or 6 months interest, whichever is the lower.	Negotiation on early repayment fees after 9 years
+10% of the loan amount to put on a side investment

We constantly review these rates to ensure they are the lowest available. On a case by case basis, we can also improve on these rates. Simply contact us on +44 (0)207 471 4515 for a personalised quote within 5 minutes.

French Leaseback best buys French mortgages for leaseback property in France

Rate from	Notes	Max Term	Mortgage type	LTV	Deferred payment	Bank set up fees	Early repayment	Comments
3.8 %	The rate is capped +1/-1	25 years	Repayment	100%	36 months	1%	None, except in the case of remortgaging
2.6 %	Variable rate. Fixed 3 months then Euribor+ 1.95%	30 years	Repayment	85%	24 months	1% of the amount of the loan up to €1,500	None as long as the rate remains variable	Monthly payment increases are capped to the rate of inflation
2.20 %	Fixed one year then Euribor1.35%, capped at 4.75%	30 years	Interest only + repaymentt	80%	24 months	1% up to 3000€	3% of the capital being repaid during the Interest only period then free except in case of remortgage	2 years of interest only followed by repayment period to 26 years
4.75 %	Fixed 10 years then Euribor+ 1.60%	30 years	Interest only	85%	24 months	1% of the amount of the loan up to €1,500 unless loan amount is above €800k	3% of the capital being repaid or 6 months interest, whichever is the lower unless the rate becomes variable	Monthly payment increases are capped to the rate of inflation after the fixed rate period
+10% of the loan amount to put on a side investment

We constantly review these rates to ensure they are the lowest available. On a case by case basis, we can also improve on these rates. Simply contact us on +44 (0)207 471 4515 for a personalised quote within 5 minutes. French leaseback mortgages generally offer a higher maximum mortgage amount, due to the 19.6% VAT, on offer from many developers.

French Equity release best buys French mortgages for your equity release options property in France

Rate from	Notes	Max Term	Mortgage type	LTV	Deferred payment	Bank set up fees	Early repayment	Comments
3.65 %	5 year fixed rate 3 month Euribor +1.65	30 years	Repayment	70%	36 months	1% of the amount of the loan up to €2,500	3% of the capital being repaid or 6 months interest, whichever is the lower	Bank fees and legal fees can be added to the loan amount
3.25 %	Fixed 3 months then Euribor+ 2.5%	30 years	Repayment	70%	36 months	0.5% up to €5,000	None as long as the rate remains variable	Monthly payments are capped at the level of the inflation
3.35 %	Fixed 3 months then Euribor+ 2.6%	20 years	Interest only	85%	24 months	0.5% up to €5,000	3% of the capital being repaid or 6 months interest, whichever is the lower	Bank fees can be added to the loan amount or spread over 24 months
4.8%	Fixed for the whole term	30 years	Repayment	80%	24months	1% of the amount of the loan up to €2,500	3% of the capital being repaid	Bank fees can be spread over 6 instalments
+10% of the loan amount to put on a side investment