Knowledge and Resources

For non-resident buyers, it is not only possible to finance renovation and remodelling works with a French mortgage, it is often a core part of how banks structure higher-end transactions. However, it is important to recognize that securing this type of financing can be challenging. Not all French banks accept the additional risk of financing…

For high-net-worth investors, pledging a US brokerage portfolio to borrow in euros for a French property is sometimes possible, but it is not a standard retail-bank solution. It typically requires private banking relationships, careful structuring, and a clear strategy for managing currency and market risks. To assess feasibility, you need to separate three questions: Will…

For many senior homeowners in France, their property is their most significant asset. The Prêt Viager Hypothécaire (PVH)—often referred to as a Lifetime Mortgage or Reverse Mortgage—is a sophisticated financial tool designed to transform that “frozen” home equity into liquid capital, without requiring you to sell your home or move. However, this is a bespoke…

Yes — you absolutely can make overpayments or early repayments on a French mortgage. From our experience at Bluesky Finance, this flexibility is a valuable tool for internationally mobile high‑net‑worth clients acquiring property in France. Below we explain how it works, what the legal framework provides and what you should keep in mind. Overpayments &…

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…

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…