Yes — you can absolutely secure a mortgage in France even if you are relocating and not yet living there full‑time. At Blue Sky, we frequently advise internationally mobile clients who are transitioning to France and wish to finance a property. The key is that you demonstrate a sustainable source of income and give the lender assurance of your financial reliability.

Why relocation does not prevent mortgage eligibility

If you are planning to move to France — whether to live permanently, semi‑permanently, or as part of an international relocation — French lenders will consider your case as long as you satisfy core underwriting standards. Crucially:

• You must show you have recurring income and a stable financial base (this may be earned in euros via a French employer, or from a foreign entity or investment income).

• You must be able to service repayments in euros (since the loan will be euro‑denominated).

• Documentation of your income, assets and liabilities must be clear and credible.
  So relocation is not a barrier — it’s the income profile and financial track record that matter.

Income qualification – what relocation applicants should prepare

When applying for a French mortgage under a relocation scenario, you will typically need:

• Evidence of employment by a French employer or written offer/contract if moving to France. Or, if you will earn from a foreign entity, documented contracts or service agreements showing continuity of income in foreign currency (which the lender will convert and assess).

• Recent bank statements, tax returns or equivalent to demonstrate global income and that it is sustained and predictable.

• If your income is in a non‑euro currency, lenders will evaluate the currency risk and your capacity to meet euro repayments.

• A French bank account may be required for repayments and to facilitate local relationship.
  At Bluesky Finance, we advise relocation clients to build their dossier early: secure the employment contract or income source, open the French account, and compile any foreign income contracts well in advance.

Why this works for relocating buyers

• Euro‑denominated debt matched with a euro‑asset: Taking a mortgage in euros while purchasing French property aligns currency exposure and property currency — a strategic advantage.

• Income from abroad is acceptable: Whether your income is earned in euros or a foreign currency via a foreign entity, a French lender will consider it — provided you can demonstrate it’s reliable and ongoing.

• Relocation‑friendly lending: French banks understand that internationally mobile borrowers may be in the process of relocating and still view the case favorably if the fundamentals are in place.

The Bluesky Finance Insight

For high‑net‑worth clients relocating to France, the mortgage is very much feasible. At Bluesky Finance we emphasise that the lender’s assessment focuses on your income sustainability, currency exposure, and financial profile, rather than your current address. By structuring your relocation with a clear income base (either from a French employer or a credible foreign contract), and preparing your income documentation early, you position yourself strongly for a French mortgage.

Having the right specialist adviser and broker in France is also key, as they will ensure your submission aligns with the lender’s expectations and support you through the cross‑border aspects of the move.

If you are considering relocation and buying property in France, we would recommend a structured review of your income source, currency exposure and timing — we at Bluesky Finance can help you design that plan and present to lenders with confidence.