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…
Ski Chalet Financing for UK Entrepreneur with Complex Income Profile
Client Profile A 51-year-old British serial entrepreneur, resident in the UK, married with two children. Introduced by his financial adviser. Situation & Challenge The client wished to acquire a recently built ski chalet in La Toussuire. Due to the nature of his entrepreneurial income, French high-street lenders had difficulty underwriting the file. Bluesky Solution Bluesky structured a…
Equity Release for British Owner of New Ski Apartment
Client Profile A 51-year-old British client, widower and father of three, working as a partner at a global audit and consulting firm. Situation & Challenge He had purchased an off-plan ski apartment in Samoëns using personal savings. With the property newly completed, he sought to release equity to take advantage of low interest rates and the…
€3.5M Jumbo Mortgage for US Couple Relocating to Paris
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…
95% LTV Mortgage for French Expat Living in Scotland
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 Nice Apartment for a Franco-German UK-Resident Couple
Client Profile A Franco-German couple aged 42 and 45 residing in England. Both work for large multinationals and earn in GBP. Situation & Challenge The couple wished to purchase a holiday apartment in Nice for personal use and furnished short-term letting. Despite strong income, they had recently upgraded their London home and had limited cash available…
Holiday Apartment in Cannes for London-Based US Professional
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…