Case studies
Ski Chalet Financing for UK Entrepreneur with Complex Income Profile
Client Profile A 51-year-old British serial entrepreneur, resident in the UK, married with two children. Introduced by his financial adviser. Situation & Challenge The client wished to acquire a recently built ski chalet in La Toussuire. Due to the nature of his entrepreneurial income, French high-street lenders had difficulty underwriting the file. Bluesky Solution Bluesky structured a…
Equity Release for British Owner of New Ski Apartment
Client Profile A 51-year-old British client, widower and father of three, working as a partner at a global audit and consulting firm. Situation & Challenge He had purchased an off-plan ski apartment in Samoëns using personal savings. With the property newly completed, he sought to release equity to take advantage of low interest rates and the…
€3.5M Jumbo Mortgage for US Couple Relocating to Paris
Client Profile An American couple aged 69 and 57, residing in the US and relocating to Paris for a university lecturing position. Situation & Challenge They were purchasing a Paris townhouse as their primary residence.To avoid French tax exposure and remain fully invested in USD, they wished to borrow in euros. Although their income and net…
95% LTV Mortgage for French Expat Living in Scotland
Client Profile A 30-year-old French expat working for a technology company in Scotland. Situation & Challenge He planned to purchase a property in Saint-Dié-des-Vosges for his father to live in and partially rent.Despite a longstanding relationship with his French bank, the lender declined the application due to his non-EU tax residency. He also required a low-deposit,…
High-LTV Nice Apartment for a Franco-German UK-Resident Couple
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…
Holiday Apartment in Cannes for London-Based US Professional
Client Profile A 47-year-old American citizen living in London and working as Global Safety Director for a US multinational. Referred by her estate agent. Situation & Challenge She wished to purchase a holiday apartment in Cannes to rent on a short-stay basis. The financing needed to be structured so that rental income would comfortably service the…
Paris Pied-à-Terre Financing for US Couple
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…
Overcoming Lending Barriers for an Irish-Italian Couple Purchasing in Cannes
Client Profile A professional couple aged 52 and 53 residing in Ireland contacted Blue Sky Finance with a common yet frequently overlooked financing challenge. The husband is a self-employed lawyer, while the wife is a key account manager with a global multinational firm. Their joint income was strong and well-documented — but they faced difficulty…
Securing Swift Financing for a U.S. Neurologist Buying in Issy-les-Moulineaux
An American medical professional aged 45, based in Florida, contacted Blue Sky Finance with an urgent need for reassurance in a time-sensitive transaction. A practicing neurologist, the client derives her income from a blend of salaried employment with a major U.S. insurance company and revenue from her own private practice. Project Overview The client sought…