Can UK residents get a French mortgage?

Yes. Both French banks and UK specialist lenders offer mortgages to UK residents buying French property.

What deposit do I need?

Typically 20-30% for non-resident buyers, though some lenders accept 15%.

What are French mortgage rates?

French rates are often competitive with UK rates. Fixed rates for 15-20 years are standard in France.

Do I pay tax in France?

Yes — French property owners pay taxe foncière (property tax) and potentially capital gains tax on sale. Rental income is also taxable in France.

French Property Mortgages

Dreaming of a French property? We help UK buyers navigate French mortgage options and find the right finance for your purchase.

Buying Property in France

France remains one of the most popular destinations for UK property buyers — whether for a holiday home, retirement property, or buy-to-let investment. Financing a French property purchase as a UK resident requires specialist knowledge, as you'll need either a French mortgage from a French bank or specialist UK-based overseas mortgage lending. We guide you through both options.

French bank and UK-based overseas mortgage options
Holiday home, retirement, and rental property finance
Currency exchange and affordability guidance
French property purchase process explained
100% fee-free overseas mortgage advice

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Your home may be repossessed if you do not keep up repayments on your mortgage.

French Bank Mortgages

French banks offer mortgages to non-residents, typically at competitive rates. They usually require 20-30% deposit, assess affordability conservatively, and may require life insurance as a condition of lending. Terms of 15-25 years are common.

UK-Based Overseas Lending

Some UK specialist lenders offer mortgages secured against French properties, assessed using UK income and credit criteria. This can be simpler for UK residents, though rates may be slightly higher than French bank lending.

Currency Considerations

If you earn in GBP but borrow in EUR, exchange rate fluctuations affect your monthly payments. Currency hedging services can protect against adverse movements. We'll help you understand and manage this risk.

French Purchase Process

Buying in France involves a compromis de vente (preliminary contract), a 10-day cooling-off period, notaire fees (7-8% for resale), and a longer completion process (2-3 months). Understanding these differences is essential for a smooth purchase.