We walk through main steps in buying a property in France. You may have decided already which French region you like most, but before starting to look for a French property you should consider the question of French finance and your French mortgage needs. The price you can afford to pay will depend on several factors:

This fact sheet is your first guide to whats involved and how much it will all cost. Our company New Mortgage Finder has brought together the important ingredients to help through the French Property Mortgage Maze. We recommend that after you have read these guidance notes on Mortgages in France you arrange a telephone appointment with one of our specialist mortgage advisers to talk through your finance requirements. Before looking for your French dream home.

South of France Cote d'Azur Special Feature

Once you have purchased your new property it is very difficult to release equity from within it, so seek advise first.

French Property Mortgages

• Establish how much you can afford to pay.
• Contact professionally qualified mortgage advisers Steve Morgan at New Mortgage Finder to discuss French mortgages & your needs and request a Decision in Principal quotation.
• Find your ideal French property.
• Appoint a French notary; We can help you with this.
• Enter into a preliminary sales contract.
• Next, contact Steve Morgan to make your French Property mortgage application.
• Our fee will now become payable, subject to a reduction for fees already paid.
• Complete mortgage application and life assurance forms and return to us.
• A French Bank Account should be applied for; We can help you with this.
• The Lender will issue you with a French mortgage offer and process your insurance application forms.
• Wait at least 10 days but no more than 30 days before accepting the mortgage offer by signing and returning it to the Lender.
• The French lender will send details of the French mortgage offer to your notary who will then prepare a deed of sale for your signature.
• The release of funds will be made at the notarys request. Notarial fees will now be due.
• If you are buying a French property through a Property broker company or French property agent, their fees are payable at this time. These will be 5-7%.
• Corsica can be a difficult area to find mortgages for, we have teamed up with a sepcialist partnter to offer holiday home and Leaseback mortgages in Corsica.

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