Client Profile

A married American couple, both aged 62, residing in the United States. The husband is a partner at a US law firm; his wife is a university lecturer spending a year in Paris for academic research.

Situation & Challenge

The clients were purchasing a two-bedroom pied-à-terre in the 9th arrondissement. Although they held substantial investment and retirement assets, the weakening USD/EUR exchange rate made euro-borrowing more attractive than liquidating US holdings. Their notary referred them to Bluesky Finance while they were already executing a Promesse de Vente and needed urgent pre-qualification.

Bluesky Solution

Bluesky sourced a competitive euro mortgage tailored for non-EU residents, with no requirements for life insurance or pledged assets — a structure rarely offered by French lenders to US-based borrowers.

Outcome

The couple secured the required financing quickly, enabling them to proceed confidently with their Paris purchase while preserving their US investments.

Key Terms

  • Location: Paris 9th

  • Purchase Price: €1,130,000

  • Loan Amount: €680,000

  • 13-year repayment, 3.95% fixed

  • No early-repayment fees after year 5

  • No collateral or life-insurance requirement

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