Why take out a French mortgage?
If you are looking to purchase your dream home it is important to understand the different options open to you at the early stages of your project. A French mortgage may be the solution!
Most French mortgages are capital repayment loans with either variable or fixed rates. A popular choice is the fixed rate as the rate is fixed for the full term - up to 25 years - giving you stable monthly payments over the whole term.
Things to know when applying for finance in France
2. Applying for finance
3. Receiving a mortgage offer
What are the differences between French and English financing?
Discuss with a finance specialist your project in France.
Frequently asked questions
A loan is a commitment and must be repaid. Check your ability to repay the loan before making the commitment.
Our mortgage loan agreements are governed by French law and, from 1 January 2021, will not be treated as regulated mortgage contracts under UK law where entered into on or after that date.
Under the condition that your mortgage file is accepted by your Caisse Régionale de Credit Agricole, lender. You have a cooling off period of 10 days to accept the mortgage offer. The completion of the sale is subject to obtaining the loan. If this is not achieved, the seller must refund your payments.
The insurance contracts are provided by:
PACIFICA, the insurance company, subsidiary of Crédit Agricole SA. PACIFICA: Company regulated by the "Code des Assurances". Limited company with a consolidated capital of 252,432,825€ untied funds. Head office: 8-10 boulevard de Vaugirard - 75724 Paris cedex 15.352 358 865 RCS Paris. The events guaranteed and the conditons figure in the contract.
PREDICA, Insurance Company for personal insurance, subsidiary of Crédit Agricole SA, company regulated by the insurance code. Limited company with a consolidated capital of 1 029 934 935 €, untied funds. Head Office: 16-18 boulevard de Vaugirard - 75015 Paris, SIREN 334 028 123 RCS Paris. The full details of the contract are available in the information notice.