French Mortgage Solutions for Expats, Non-Residents and International Clients
Quotation requestMission
Bluesky Finance is all about delivering the dream of a Bluesky life in France. We know that our clients want to live their dreams of owning a property in their favourite region of France. Many want a pied à terre in the capital, others want to enjoy holidays in the sun, ski to their hearts content or retire and be near family. Owning a property in France means that you can always dip into the French lifestyle that is so loved worldwide.
As France based independent mortgage brokers, we want to make that dream come true for you. We will search the market and arrange the perfect solution for our international clients
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 and so we can offer you the widest choice of solutions to suit your needs
- We are experienced, fully independent, and regulated mortgage advisers so you can be confident of the advice we give
- The French mortgage market can be complicated and has its own language and if you aren’t fluent, you may miss a trick! So, leave all the hard work to us. We can save you time and money by negotiating the best terms in our native language!
- We are passionate about doing the job to the best of our ability and thrive to serve our customers with best-in-class service.
Our Services
Mortgages
Bluesky Finance is a specialist independent boutique mortgage broker. We provide high quality tailored solutions to non-residents buying or owning properties in France. We can help French expats and international clients with their mortgage, refinance and cash-out requirements.
Our commitment is to guide you and search the whole of the market to find the best deal to suit your circumstances.
Our advice is free and comes with no obligations….
Protection
While Bluesky Finance’s core business is arranging mortgages, we are fully trained and authorized to offer insurance, life and critical illness cover. We see financial protection as an integral part of our service to clients all the more so as French lenders often require that appropriate life protection is in place. We work with specialist insurance companies and we will guide you towards the most appropriate cover to suit your needs.
Secondary services
We work with specialist consultants who can provide guidance with the following matters :
- Property search
- International tax
- Conveyancing
- Estate planning
- Foreign exchange
- Accounting
We are extremely well connected and will be happy to refer you to local experts.
Non-resident best-buy table
| Mortgage plan | Loan type | Max LTV | Interest rate | Exit fee | Monthly payment for every €100,000 | Notes |
|---|---|---|---|---|---|---|
| 15 year fixed | repayment | 100% | 3.35% | 0% | €707 | Pledge of a saving account with a min. balance of €250,000 |
| 20 year fixed | repayment | 100% | 3.50% | 0% | €580 | Pledge of a saving account with a min. balance of €250,000 |
| 15 year fixed | repayment | 70% | 3.60% | 0% | €720 | Minimum deposit of 6 instalments |
| 25 year fixed | repayment | 70% | 3.70% | 0% | €511 | Minimum deposit of 6 instalments |
| 20 year fixed | repayment | 75% | 4.15% | 2.12% | €614 | Prime locations only |
| 25 year fixed | repayment | 75% | 4.25% | 2.15% | €542 | Prime locations only |
| 20 year adjustable with a 1% cap | repayment | 80% | 3.62% | 0% | €586 | Restricted to UK and Irish residents |
| 15 year fixed | repayment | 85% | 3.95% | 1.97% | €737 | Restricted to UK, Swiss, Irish and NL residents |
| 25 year fixed | repayment | 85% | 4.15% | 2.15% | €536 | Restricted to UK, Swiss, Irish and NL residents |
| 7 year fixed | Interest-only | 75% | 4.25% | 2.12% | €354 | Subject to eligibility |
What our customers say
Can You Use a US Brokerage Account as Collateral for a Euro Mortgage on French Property?
For high-net-worth investors, pledging a US brokerage portfolio to borrow in euros for a French property is sometimes possible, but it is not a standard retail-bank solution. It typically requires private banking relationships, careful structuring, and a clear strategy for managing currency and market risks. To assess feasibility, you need to separate three questions: Will…
Unlock Your Home’s Wealth: Is a French Lifetime Mortgage Right for You?
For many senior homeowners in France, their property is their most significant asset. The Prêt Viager Hypothécaire (PVH)—often referred to as a Lifetime Mortgage or Reverse Mortgage—is a sophisticated financial tool designed to transform that “frozen” home equity into liquid capital, without requiring you to sell your home or move. However, this is a bespoke…
USD/EUR in 2026: What the Exchange Rate Means for US Buyers of French Property
For US-based investors and expatriates, the USD/EUR exchange rate in 2026 will be a quiet but powerful driver of French property value and financing strategy. Currency moves can amplify returns or erode them, depending on how you structure your purchase and how you finance your acquisition. In this article, we outline the key USD/EUR dynamics…
GBP/EUR Exchange Rate Outlook for 2026: Strategic Financing for French Property Acquisitions
For UK residents eyeing French property in 2026, the GBP/EUR exchange rate remains a pivotal factor in assessing investment viability. Borrowing in euros offers a robust mitigation strategy against adverse rate movements, stabilising acquisition costs and long-term holding expenses. As of January 3, 2026, the GBP/EUR exchange rate trades at 1.148, consolidating a recent downward…
Blue Skies, Better Rates: French mortgage interest rate outlook for 2026
After two years of significant adjustment, 2026 marks a new era of normalization for the French mortgage market. For non-residents, expatriates, and international investors, the landscape has shifted from the “rate shock” of 2023–2024 to a predictable, stabilized environment. As we enter 2026, the key driver is no longer just the European Central Bank (ECB)…
Confidently Buying Property in France: Watch our Webinar
Buying property abroad is a dream for many – but for international buyers, the process can also be filled with uncertainty. In our latest webinar, Confidently Buying Property in France, experts unpacked the French real estate market, explained financing options for non-residents, and shared practical tips to help you navigate every stage of the purchase process….
French Property Prices Forecast for 2026: A Market in Equilibrium
As we enter 2026, the French real estate market has moved beyond the “wait-and-see” phase of previous years. Following a period of correction and stabilization throughout 2025, the housing market is now characterized by measured growth and a return to rational transaction volumes. Data from the Chambre des Notaires, Insee, and MeilleurAgents suggest a national…
Can You Make Overpayments on a French Mortgage?
Yes — you absolutely can make overpayments or early repayments on a French mortgage. From our experience at Bluesky Finance, this flexibility is a valuable tool for internationally mobile high‑net‑worth clients acquiring property in France. Below we explain how it works, what the legal framework provides and what you should keep in mind. Overpayments &…
Can I Release Equity from a French Property?
Yes, it is possible to release equity from a property in France, but the pathway is not as straightforward or widely available as it might be in other jurisdictions. Unlike the UK or U.S., where equity release is a well-established financial product, in France the concept exists within a narrower regulatory and institutional framework. At…
Can I Arrange a French Mortgage if My Compromis de Vente or Promesse de Vente Says “Cash Purchase”?
Yes — you absolutely can still arrange a mortgage in France even if your initial sales contract states that you will pay “cash”. At Bluesky Finance, we have structured transactions for internationally‑mobile buyers who chose to enter the contract without a loan contingency, and then elected to borrow either before completion or even up to…