French Mortgage Solutions for Expats, Non-Residents and International Clients
Quotation requestMission
Bluesky Finance is a France based independent specialist mortgage broker. We search and arrange high-quality mortgage solutions for international buyers.
Why us
- As a France based specialist mortgage broker, we work with a large panel of banks. We are one of the few genuine whole of market brokers operating in the non-resident mortgage market
- We are a team of qualified independent mortgage advisers. We provide independent and regulated advice
- We save you time and money by negotiating the best terms
- We thrive to serve our customers with best-in-class service
Residential mortgages
- Expats, international buyers and US persons
- Mainland France, Corsica and the West Indies
- Main homes, holiday homes
- Interest-only or capital repayment
- Lombard loans and private bank structures
Remortgage / refinance
- Refinance to a lower fixed rate
- Interest-only refinance
- Buy to let Portfolio refinance
- Remortgage to buy someone out
Buy to let / leaseback
- Leaseback mortgage
- Short term and long-term rentals
- Landlord insurance
- Property management
Cash-out and equity release
- Equity release
- Post purchase loans
- Directors loan refinance
- Foreign purchases
- Remortgage for capital raising and debt consolidation
Non-resident best-buy table
| Mortgage plan | Loan type | Max LTV | Interest rate | Exit fee | Monthly payment per €100,000 |
|---|---|---|---|---|---|
| 10 year fixed | repayment | 80% | 1.50% | 0.7% | € 898 |
| 15 year fixed | repayment | 80% | 1.70% | 0.85% | € 630 |
| 20 year fixed | repayment | 80% | 1.90% | 0.9% | € 501 |
| 20 year fixed | repayment | 70% | 1.35% | 0% | € 475 |
| 25 year fixed | repayment | 65% | 1.70% | 0% | € 409 |
| 20 year tracker | repayment | 85% | 2.05% | 0% | € 508 |
| 25 year fixed | repayment | 85% | 2.50% | 1.25% | € 449 |
| 7 year fixed | Interest-only | 75% | 2.35% | 1.15% | € 196 |
| 14 year tracker | Interest-only | 75% | 2.10% | 0% | € 175 |
How to secure the best mortgage deal in France?
Here are a few simple tips to get the best mortgage deal in France. The following recommendations particularly apply to international buyers who can have access to a wide range of mortgage products when buying or refinancing in France. 1. If you can afford the monthly repayments, select a shorter duration for your mortgage contract.
French mortgage insurance : switch and save?
Mortgage protection insurance is mandatory when taking out a mortgage in France. The majority of French lenders require that borrowers are insured for the amount of the loan through a life insurance policy which is assigned to the lender. With mortgage insurance premiums accounting for as much as 30% of the total borrowing costs, it
Should you remortgage to take advantage of lower rates?
With French mortgage rates dropping to all-time lows, now can seem the perfect time to remortgage. But before you start the process of looking for bank statements and pay slips, here are a few guidelines to help you assess whether it makes sense to refinance the loan you took out to buy your French home.