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 structure.

Bluesky Solution

Bluesky arranged a 95% LTV mortgage — an exceptional ratio for an expat borrower — with no requirement for pledged financial assets and no early-repayment penalties.

Outcome

The client obtained financing his French bank could not provide, enabling the family acquisition to proceed with minimal upfront capital.

Key Terms

  • Location: Saint-Dié-des-Vosges

  • Purchase Price: €240,000

  • Loan Amount: €228,000

  • 25-year repayment, 4.10% fixed

  • 95% LTV

  • No early-repayment fees

  • No collateral required

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