Case studies
90% LTV Buy to Let mortgage for French expat living in London
February 2019 – Mr L. 29 years old. French expat living in London
Client requirement: Euro mortgage to purchase a Buy to Let apartment in Paris
French mortgage for Pied à Terre in Le Marais for a busy New-Yorker
February 2019 – Mrs C. 53 years old. US person from New York
Client requirement: French mortgage to purchase a Pied à Terre in Paris in the Marais district
Our client was under pressure to arrange a mortgage in less than 6 weeks as the seller had insisted on tight deadlines.
80% LTV mortgage for French expats living in Australia
February 2019 – M and Mrs M. – 44 and 40 years old.
French couple living and working in Australia
Client requirements :
Our clients contacted us as they were in the process of purchasing a family apartment in Antibes. Their intention was to let the apartment before permanently relocating to France.
The ability to adapt instalments and repay the loan early was an important requirement of our clients.
20 year fixed rate mortgage for UAE resident purchasing in the French Alps
January 2019 – Mr and C. 50 and 49 years old. American couple residing in the UAE.
Client requirement: Euro mortgage to purchase a ski apartment in Morzine.
1.1% 20 year fixed rate mortgage for French expat buying in Paris
December 2018 – M and Mrs B. – 51 and 48 years old.
French couple living and working in the UK.
Client requirements :
Our clients contacted us as they were in the process of purchasing a family apartment in Paris. Their intention was to let the apartment before relocating to Paris when the apartment would become their primary residence.
As they already owned several properties in France, it was in our client’s interest to maximise the Loan amount in order to minimise the value of taxable assets under the French IFI wealth tax scheme.
100% LTV interest-only euro mortgage secured on a GPB interest-bearing account
September 2018 – Mr and Mrs L. 63 and 71 years old.
English couple residing in the UK.
Client requirements:
Our clients contacted us as they were in the process of purchasing a holiday home in Antibes, on the French Riviera. Although they could afford to pay the full price without resorting to mortgage finance, our clients were reluctant to converting a significant proportion of their savings, held in GPB, into Euros dur to the unfavourable exchange rate.
€150,000 year mortgage to purchase a large house in rural France
August 2018 – Mr and Mrs P. 38 and 32 years old.
Newlywed couple from Oxford, England
Client requirements:
Our clients approached us as they had just signed a compromis to purchase a large rural property in Haute-Vienne, 55 km North of Limoges.
As they had committed a large proportion of their savings to their wedding reception, our clients were keen to minimise their cash contribution to the French project.
As this was a property located in a rural location where French lenders tend to have less appetite, it was critical to work closely with the estate agent and the surveyor to obtain the right valuation output.
Euro denominated mortgage to purchase a new build apartment in London
July 2018 – Mr and Mrs L. 54 and 59 years old.
French couple residing in Qatar and the UK.
Client requirements : arrange a mortgage loan to finance the purchase of a new build apartment located in London. Despite a comfortable income and significant assets, UK based lenders were struggling to understand our clients’ unique situation primarily because of an income originating from the Middle-East.
€235,000 mortgage for an American gentleman purchasing a Paris “pied à terre”
June 2018 – Mr S., 59, American gentleman residing in LA.
Client requirement: Euro mortgage to purchase a “pied à terre” in Vincennes, near Paris.