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 long-term, fixed-rate mortgage without requiring financial collateral, and arranged lender-assigned life insurance.
Outcome
The client secured the required financing under terms accommodating his income structure — where traditional lenders could not assist.
Key Terms
-
Location: La Toussuire
-
Purchase Price: €1,500,000
-
Loan Amount: €1,050,000
-
20-year repayment, 4.38% fixed
-
Term-life insurance assigned to lender
-
No financial collateral
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…
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…
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 orientated. 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…