French Mortgage Solutions for Expats, Non-Residents and International Clients

Quotation request

Mission

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 planLoan typeMax LTVInterest rateExit feeMonthly payment for every €100,000Notes
15 year fixedrepayment50%3.75%0%€727Pledge of a saving account with a min. balance of €250,000
20 year fixedrepayment50%3.90%0%€600Pledge of a saving account with a min. balance of €250,000
15 year fixedrepayment70%4.15%0%€747Minimum deposit of 6 instalments
25 year fixedrepayment70%4.30%0%€544Minimum deposit of 6 instalments
20 year fixedrepayment75%4.15%2.12%€614Prime locations only
25 year fixedrepayment75%4.25%2.15%€542Prime locations only
20 year adjustable with a caprepayment80%3.42%0%€576Restricted to UK and Irish residents
20 year fixedrepayment85%3.95%1.97%€737Restricted to UK, Swiss, Irish and NL residents
25 year fixedrepayment85%4.15%2.15%€536Restricted to UK, Swiss, Irish and NL residents
7 year fixedInterest-only75%4.25%2.12%€354Subject to eligibility
Terms subject to status and eligibility. Minimum loan amounts apply. Some plans are subject to restrictions. Terms valid as at January 12th 2025.

What our customers say

News

Real Estate Gems: The Luxury Market of the French Alps

The French Alps, a majestic tapestry of snow-capped peaks and picturesque villages, have long captivated the hearts of travelers and investors alike. This region, renowned for its world-class skiing, breathtaking landscapes, and luxurious amenities, offers a unique blend of lifestyle and investment opportunity. While the broader French real estate market may be experiencing fluctuations, the…

Read more

France vs. The World: A Comparative Analysis of Luxury Property Markets

In the realm of luxury real estate, discerning investors often weigh their options across a global canvas, seeking not only the finest properties but also the most advantageous markets for their ventures. France, with its rich history, cultural depth, and renowned lifestyle, stands as a premier destination for luxury property investments. This article embarks on…

Read more

Parisian Luxury Real Estate: A Strong Market Driven by International Demand

Paris, the City of Lights, continues to captivate investors worldwide with its timeless charm, vibrant culture, and dynamic property market. Renowned for its architectural beauty, couture fashion, and gourmet cuisine, Paris stands as a beacon for luxury property investors seeking stable and lucrative returns. This article delves into the Parisian property market, highlighting current trends,…

Read more

USD/EUR Exchange Rate Forecast for 2025 and Its Impact on French Property for US Residents

Investing in French property presents a unique set of considerations for US residents, with the USD/EUR exchange rate being a critical factor. This article examines the historical and projected trends in the USD/EUR exchange rate, analyzes its impact on the attractiveness of French property for US investors, and offers strategic approaches for navigating the complexities…

Read more

Maximizing the GBP/EUR Exchange Rate for French Property Investments: A Guide for UK Residents

French Property Investment for UK Residents: Navigating the GBP/EUR Exchange Rate Investing in French property can be a rewarding venture for UK residents, offering access to a rich cultural experience and potentially strong returns. However, understanding the dynamics of the GBP/EUR exchange rate is crucial for maximizing investment returns. This article explores how exchange rate…

Read more

Deciphering the Future: French Mortgage Interest Rates Forecast for 2025

The French mortgage market has shown signs of recovery in recent months, driven primarily by a decline in interest rates. The European Central Bank (ECB) has played a pivotal role in this trend, implementing policies aimed at stimulating the economy and keeping inflation in check. Understanding the ECB’s Influence The ECB, as the central bank…

Read more

French Property Market Outlook for 2025: A Stabilizing Market

SeLoger and Meilleurs Agents’ January 2025 barometer has painted a promising picture of the French property market’s recovery. After a challenging 2023, the market has shown signs of stabilization, with increased transactions and a slight uptick in prices. Key Findings: Stabilizing Prices:  The national average price has settled at €3,060/m², with a minimal decrease of…

Read more

Property Insurance for Mortgage Approval

When buying property in France, especially with the help of a mortgage, one critical step that shouldn’t be overlooked is securing proper property insurance. Lenders across the board require property insurance not just as a checkbox for risk mitigation but as a safeguard to their investment—and by extension, yours. Understanding the requirements, timelines, and costs…

Read more

Understanding the Age Limits for Non-Resident French Mortgages: A Comprehensive Guide

Securing a mortgage in France as a non-resident is an attractive proposition for many international buyers looking to own a slice of the idyllic French lifestyle. However, navigating the complexities of mortgage acquisition, especially concerning age limits, requires a clear understanding to ensure a smooth financing process. This article serves as a comprehensive guide to…

Read more

Optimizing Currency Exchange for Your Property Investment: Beyond Traditional Banking

Embarking on the exciting journey of purchasing property in France often involves the crucial step of transferring significant sums of money from one currency into euros (EUR). Whether it’s for the initial downpayment or subsequent monthly payments, navigating the best method for currency transfer can greatly impact the overall cost of your investment. Traditionally, many…

Read more