Yes — you absolutely can secure a mortgage in France even if you’re not salaried. At Blue Sky we routinely guide entrepreneurs, company directors and self‑employed individuals through the process, and we know the roadmap works. The key lies in presenting a well‑structured dossier showing sustainable income, reliable historic accounts, and strong overall financial standing.

Why non‑salaried status isn’t disqualifying

If you operate your own business, hold a directorship, or draw income from dividends or freelance work, French lenders will lend to you — so long as the profile is transparent, well documented and meets their underwriting criteria. What lenders seek is not whether you’re salaried, but that you have recurring income, financial stability and the capacity to service the debt.

What you’ll need to qualify

From our experience working with high‑net‑worth clients, the following are standard prerequisites for self‑employed / director applicants:

• Three years’ accounts: Lenders expect to see audited (or at least formally prepared) accounts for the last three financial years, showing consistent performance and profit.

• Tax returns: You must provide your personal tax returns (and sometimes company returns) for the same 2‑3‑year period, linking your income source with your declared profits.

• Sustainable income evidence: The bank will assess that the level of income can reliably continue — this may come from business profits, dividends, consultancy income or equivalent.

• Affordability assessment: Even as a non‑salaried borrower, your total debt commitments (including the proposed mortgage) should not exceed the lender’s debt‐service threshold, typically around a third of your declared income.

• Strong ancillary profile: Stability of your business sector, asset base, savings or investments all strengthen your file. A non‑salaried applicant with a robust business history is often viewed as less risky than one with variable income streams or unproven business activity.

How to position your case for best terms

Here are some strategic elements to focus on:

• Ensure your business has been operating for at least three years and shows consistent profitability — newer businesses may be treated as higher risk.

• Keep your company structure and income streams straightforward and well documented (i.e., avoid overly complex ownership structures or undeclared income).

• Maintain clear differentiation between business funds and personal funds — personal bank statements, investment performance and clear income flows matter.

• For international clients: if your income or business is outside France, make sure translation of documents, certification and recognised accounting standards are in place — lenders will review foreign‑income streams carefully.

• Consider larger down‑payments or more conservative loan‑to‑value (LTV) ratios to improve terms — as a self‑employed applicant you may gain a more favourable margin if you reduce the lender’s risk.

• Engage specialist mortgage brokers with experience in non‑resident & self‑employed French mortgage cases: they can pre‑screen your profile, identify which banks are comfortable with your structure and optimise the submission.

Bluesky Finance’s verdict

If you’re self‑employed or a company director planning to purchase property in France and arrange a mortgage — you are very much eligible. The absence of salaried employment is not a barrier. What matters is the clarity, longevity and reliability of your income; the integrity of your accounts; and your ability to satisfy French lenders’ underwriting standards.

At Bluesky Finance we believe the strongest applications for non‑salaried borrowers include three years of audited accounts, verified tax returns, a clean debt‑to‑income profile, and a business model that provides confidence in future earnings. Presenting your case this way enables you to secure euro‑denominated borrowing on competitive terms, aligned with your international portfolio and ambitions in France.

If you are ready, we can at your convenience review your business accounts and tax history and position you for the lenders most receptive to self‑employed and director mortgage clients.