Client Profile:
A 46-year-old German citizen employed by a European agency, recently relocated to France following a temporary international assignment.

Objective:
To acquire a family home in Fuveau (Bouches-du-Rhône, Department 13) as their main residence.

Key Challenges:
The primary hurdle was securing a lender who could fully understand and accommodate the unique employment and compensation circumstances of European agency workers. Specifically:

  • The client’s income structure included tax-free components due to European exemption rules.
  • The lender needed to factor in these exemptions while evaluating the client’s borrowing capacity and financial stability.

Property Details:

  • Location: Fuveau (13)
  • Purchase Price: €785,000

Financing Solution:

  • Loan Amount: €600,000
  • Type: Capital Repayment Loan
  • Term: 20 years
  • Interest Rate: Fixed at 3.75% for the entire term
  • Additional Benefits:
    • No early repayment penalties.
    • No financial collateral required.

Outcome:
A favorable financing package was secured, offering the client peace of mind with predictable repayment terms and flexibility. This bespoke solution reflects an in-depth understanding of expatriate-specific income profiles and the complexities of cross-border property acquisitions in France.

Enquire Now

More Case Studies

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…

Read more

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…

Read more

Achieving Property Financing Success for a Franco-Dutch Couple in Chamonix

Bluesky Finance recently had the privilege of assisting a distinguished Franco-Dutch couple residing in the Netherlands with the acquisition of a stunning €2,295,000 property in Chamonix, France. With one partner excelling as a partner in an international law firm and the other managing the household, their financial profile required tailored solutions. This article delves into…

Read more