We are in partnership with French Mortgage Xpress, an experienced and multi-lingual mortgage broker based in the South of France, with extensive experience of French banking and lending criteria.

With over 500 mortgages successfully approved, French Mortgage Xpress has proved itself to be one of the most reliable sources for obtaining mortgages for non-residents in France.

Since every client is unique, there is no such thing as a one fits all mortgage facility, and the team at FMX will listen to your needs and suggest a mortgage lender from their panel of lenders that provides the type of mortgage required at competitive rates but, as importantly, with more than a realistic chance of succeeding!

There is no point wasting time and energy applying for loans which are simply not available or which have specific criteria which you do not match.

The team at FMX will advise you on how to keep the mortgage process simple and will update you as to the progress of the loan application at key stages of the mortgage process.

To ensure a more than reasonable chance of success FMX will ask you to complete a simple financial disclosure form which can be emailed directly to them, and within 24 hours you will receive a mortgage quotation, a list of documents required to accompany the application form, and a road-map of the mortgage process.

FMX will also liaise with the real estate agent, the notary and can help you to open a bank account within 72 hours.

At the present time French banks are requiring between 20% and 30% down-payment for repayment and interest only loans for periods up to 30 years at rates starting at around 2.85%!

But a word of warning, before calculating your mortgage payments; check with FMX that you qualify for the type of loan you are seeking. The criteria for interest only loans for example can be much stricter than for repayment loans.

For loans of 1 Million Euro and above it may well be advisable to explore a type of back-to-back financing that can substantially reduce or eliminate any French wealth tax liability and mitigate inheritance tax at the same time.

FMX does not charge a fee for its services apart from certain types of private banking finance where the company is not compensated by the lending bank. In all cases FMX will declare its fee structure at the beginning of the loan process.