90% LTV expat mortgage for French couple buying in the South of France
Mr and Mrs T are a young French couple living and working in London but dreaming of a bolt hole in the South of France to return to for holidays and to enable them to catch up with friends and family.
An opportunity presented itself to purchase an apartment in Beaulieu Sur Mer between Nice and Monaco for 890.000 €. They fell in love with the property but did not relish the potential complications of securing a mortgage while based in the UK and both working full time.
They approached us with the brief for a high LTV with approx. 10% deposit available. We researched the market and sourced them an offer which they were delighted with. The rest of the process was managed by us and the purchase went through smoothly as a result
Financing solution engineered by Bluesky Finance:
€800.000 mortgage loan over 25 years at a fixed rate of 1.70%.
Mr and Mrs T are now set for summer holidays in the sun and a glamourous quick hop to the delights of Monte Carlo are not out of the question!
More Case Studies
The “Out of the Box” Solution – Securing an Interest-Only Loan for a US Trust Beneficiary
At BlueSky Finance, we pride ourselves on being solution orentated. While traditional French retail banks are bound by rigid debt-to-income ratios (HCSF criteria), we understand that international wealth is rarely linear. This case study demonstrates how we secured a bespoke financing structure for a US family by looking past their French tax returns and focusing…
Negotiating French Mortgages for US Expats – A Success Story in Paris
At BlueSky Finance, we specialize in bridging the gap between international wealth profiles and the French banking system. For American citizens working in France, securing a mortgage can often feel like an uphill battle due to strict regulatory requirements and a lack of flexibility from traditional retail banks. This case study illustrates how we leverage…
Loan insurance : providing solutions when your bank can’t
The Profile The Client: A 35-year-old French expatriate living and working in London, UK. Employment: Employed under a UK contract with a stable, high-tier income. Status: Single, looking to build wealth through a French real estate portfolio. The Project Our client sought to purchase a buy-to-let apartment in the vibrant port city of Marseille. Having…