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 worth were substantial, the couple’s age fell outside the typical lending criteria of French high-street banks.

Bluesky Solution

Bluesky secured a large-value mortgage with highly competitive terms, no early-repayment fees, and no requirement for term-life insurance.
Collateral was structured via a US brokerage account — a format acceptable to the partner bank.

Outcome

The couple obtained significant euro financing despite age-related limitations, enabling their relocation without liquidating investment assets.

Key Terms

  • Location: Paris

  • Purchase Price: €4,400,000

  • Loan Amount: €3,500,000

  • 12-year repayment, 3.30% fixed

  • $1.5M collateral held in US brokerage

  • No term-life insurance

  • No early-repayment fees

Enquire Now

More Case Studies

Securing €680K Financing for a Bordeaux Retirement Property After Bank Decline

When “No” from Your Bank Isn’t the End Being declined by your bank—especially after a long-standing relationship—can feel like the end of the road. For this French couple based in Texas, it was just the beginning of a different approach. The Client Profile French couple residing in Texas He is 62, she is 60 Both…

Read more

Financing a €1.2M Annecy Pied-à-Terre for US-Based Buyers

Turning Dollar Capital into Euro Opportunity For international buyers, one of the biggest misconceptions is that property purchases in France must be largely cash-funded. For this American couple, that assumption was about to be challenged. The Client Profile American couple based in California The gentleman: 55-year-old Partner in a Law firm His wife: Consultant at…

Read more

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…

Read more