Client Profile

A Franco-German couple aged 42 and 45 residing in England. Both work for large multinationals and earn in GBP.

Situation & Challenge

The couple wished to purchase a holiday apartment in Nice for personal use and furnished short-term letting. Despite strong income, they had recently upgraded their London home and had limited cash available — so a high loan-to-value ratio was essential.

Bluesky Solution

Bluesky sourced an 85% LTV mortgage with a long 25-year amortisation, protecting cash reserves while keeping monthly repayments manageable. A fixed interest rate provided stability and predictable long-term costs.

Outcome

The clients were able to proceed with the purchase despite liquidity constraints, securing terms unavailable through standard UK or French channels.

Key Terms

  • Location: Nice

  • Purchase Price: €455,000

  • Loan Amount: €387,000

  • 25-year repayment, 4.15% fixed

  • 85% LTV

  • 5% annual overpayment allowance

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