Knowledge and Resources
Your French Mortgage Checklist
All the documents non-residents need for a successful French mortgage application Applying for a mortgage in France as a non-resident can feel like navigating a maze. French banks are meticulous, and their documentation requirements go beyond what many buyers are used to in their home country. Having a complete file prepared in advance is the…
The Deposit Dilemma: How Much Down Payment Is Really Needed?
EU vs. non-EU buyers, and how collateral changes the equation Buying in France comes with two “deposits” that are often confused. One is the booking deposit at the pre-contract(typically 5–10% held in escrow by the notaire or agent), and the other is your down payment (apport personnel)—the cash you contribute alongside (or instead of) a…
French vs. Home Country Mortgage
A comparison of the pros and cons of borrowing in France versus financing from abroad When purchasing property in France, one of the first questions international buyers face is whether to arrange financing locally through a French lender or to leverage resources from their home country. Both options are viable, but each carries distinct advantages…
Why American Buyers Are Drawn to the French Real Estate Market
American interest in French property continues to grow—and it’s easy to see why. Here’s a clear, compelling breakdown of the key factors driving U.S. buyers toward France, featuring current market dynamics, cost-efficiency, stable yields, diversification benefits, and more. Market Momentum and Attractive Yields After a period of cooling, France’s residential property market is showing renewed…
The Role of a French Mortgage Broker: Why They Add Value for Property Buyers
Buying property in France is an exciting journey, but arranging finance can be one of the more challenging steps. French banks are known for their strict lending criteria, paperwork requirements, and often limited support for non-resident buyers. This is where a French mortgage broker becomes invaluable. At BlueSky Finance, we specialise in helping international buyers…
How a Property’s EPC (DPE) Rating Impacts Your French Mortgage
1. What Is a DPE and When Is It Required? The Diagnostic de Performance Énergétique (DPE), equivalent to the Energy Performance Certificate (EPC), measures a property’s energy efficiency and greenhouse gas emissions. Each home is rated on a scale from A (most efficient) to G (least efficient). When it’s required: A valid DPE is compulsory…
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.