Knowledge and Resources
Can I Release Equity from a French Property?
Yes, it is possible to release equity from a property in France, but the pathway is not as straightforward or widely available as it might be in other jurisdictions. Unlike the UK or U.S., where equity release is a well-established financial product, in France the concept exists within a narrower regulatory and institutional framework. At…
Can I Arrange a French Mortgage if My Compromis de Vente or Promesse de Vente Says “Cash Purchase”?
Yes — you absolutely can still arrange a mortgage in France even if your initial sales contract states that you will pay “cash”. At Bluesky Finance, we have structured transactions for internationally‑mobile buyers who chose to enter the contract without a loan contingency, and then elected to borrow either before completion or even up to…
Can I Arrange a French Mortgage if I’m Relocating to France?
Yes — you can absolutely secure a mortgage in France even if you are relocating and not yet living there full‑time. At Blue Sky, we frequently advise internationally mobile clients who are transitioning to France and wish to finance a property. The key is that you demonstrate a sustainable source of income and give the lender assurance…
Can You Arrange a French Mortgage If You’re Not Salaried?
Yes — you absolutely can secure a mortgage in France even if you’re not salaried. At Blue Sky we routinely guide entrepreneurs, company directors and self‑employed individuals through the process, and we know the roadmap works. The key lies in presenting a well‑structured dossier showing sustainable income, reliable historic accounts, and strong overall financial standing. Why…
Can I Arrange a French Mortgage if I’m Over 60 and Retired?
At Bluesky Finance, we frequently support globally mobile clients in retirement who ask: “Can I secure a mortgage in France even though I am over 60 and dependent on pension income?” The firm answer: yes—absolutely. Retirement or age beyond 60 need not be a barrier to arranging a mortgage in France, but you must structure…
Will Holding a European Passport Secure Better Mortgage Terms in France?
From our experience advising high‑net‑worth international clients, the simple answer is: holding a European passport does not guarantee better terms when securing a mortgage in France. What truly drives mortgage terms are where you are fiscally resident, the property location, the duration of the loan, and the size (and structure) of the borrowing. Below we…
Blog
French Property Prices Forecast for 2024: France’s Housing Market Review and Outlook
The French real estate market is experiencing a slowdown, and the situation is not expected to improve in 2024. This is attributed to a challenging economic period marked by inflation, resulting in a decline in the purchasing power of the French population. Additionally, the rise in bank interest rates is making access to credit more…
French Mortgage lending in a post BREXIT world
It’s early 2021, we are all impacted by lockdowns and strict travel restrictions. Against all odds, Non-Resident buyers are still active in the French property market. Here is a brief overview of mortgage lending in a post BREXIT world : Overall, few changes as a result of BREXIT but some new pitfalls to be…
New Special Expatriate Income Tax Regime for those relocating to France
If you have plans to relocate to France, you may be eligible for very advantageous tax arrangements, subject to certain conditions. The expatriate tax regime applies to individuals who were not residents of France for tax purposes during the five calendar years prior to their taking up their duties in a company based in France.