Client Profile

A 47-year-old American citizen living in London and working as Global Safety Director for a US multinational. Referred by her estate agent.

Situation & Challenge

She wished to purchase a holiday apartment in Cannes to rent on a short-stay basis. The financing needed to be structured so that rental income would comfortably service the mortgage.

Bluesky Solution

Bluesky arranged a long-term fixed-rate mortgage with favourable affordability metrics and no early-repayment penalties after year three.
Term-life insurance was organised through a third-party provider to reduce overall costs.

Outcome

The client secured a rental-friendly financing package with predictable repayments, supporting both her lifestyle and investment plans.

Key Terms

  • Location: Cannes

  • Purchase Price: €410,000

  • Loan Amount: €270,000

  • 20-year repayment, 3.40% fixed

  • No early-repayment fees after 3 years

  • Term life insurance via third-party provider

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…