What types of French mortgage exist?

Purchasing a property in France is a life-changing decision, whether it’s for the food, the climate or having an asset in euros, the French property market has always been attractive for International buyers. However, it can also be full of surprises and worries, not least when it comes to arranging and securing a mortgage which so many types of French mortgage available. To make the purchase as smooth and hassle-free as possible, it’s important to get started early. At HB Property, we can help you get the ball rolling on your French mortgage. We work with clients purchasing a range of properties all over France and can advise on the right mortgage options for you. Here is our guide on the main types of French mortgage we help our clients obtain:

Types of French mortgage:

  • Second home/holiday property

Having a holiday home in France is a dream for many people. You can come and go as you please, safe in the knowledge that your little piece of France will always be there. Securing the right mortgage is key, so talking to our property experts who will be able to advise you on all the requirements and things you need to know when owning a property in France.

  • Investment property

Many people looking for property in France choose to invest in a rental property before making the big move. Purchasing a rental property in the current market gives you a foothold on the property ladder at a time when interest rates are still low and can potentially offer great returns. But it is important to make sure you are buying in the right place as rental markets differ considerably across the French Riviera and even more so across France. So please do not hesitate to contact us for buying advice.

  • Refinancing your mortgage

Another way to take advantage of the current low-interest rates is to refinance your existing mortgage. The savings that can be made with a more competitive interest rate are huge, usually, people tend to keep the same monthly payment but considerably reduce the duration of the loan. Do not hesitate to contact us if you would like us to look at the potential savings that could be made on your current mortgage.

  • Main home mortgage

If you are already living in France and are a French tax resident then we have all the banking partners in place to help you get the best deal on your property purchase here in France. The language barriers can often cause issues when trying to obtain a loan but our bilingual staff will help source a loan for you.

Whatever you’re looking for, we can help, our experienced team has over 15 years experience in French banking and loans for International clients. Our clients find it very reassuring to have the first initial contact to get an idea of the feasibility of what they are looking to do, based on their own personal situation and the property purchase price. Ensuring they fully understand the types of French mortgage available is crucial. 

So please do not hesitate to get in touch with our professional team at HB Property for expert guidance and help in obtaining a mortgage here in French.

The HB Property team has enjoyed the beautiful Fete des Roses at the Ephrussi Rothschild Villa in Saint Jean Cap Ferrat, here in the French Riviera. 

The amazing villa is a must do for anyone coming to visit the French Riviera. Not only for the magnificent gardens but also in order to get that insight feeling of what life must have been like for the rich and famous a century ago. The villa is a heaven for art collectors with porcelain, furniture –  a games table that once belonged to Marie Antoinette and a Louis XIV rug – and paintings by the Great Masters. 

You might find the entrance fee a bit expensive – 15 euros – but it is money well spent as the location has a lot to offer. Nowhere else on the French Riviera will you find a better place to enjoy art, architecture, nature and history all in one place.

The only downside we have found is that it is not easy accessible to people with limited mobility or pushchairs.

The English visitors might be particularly interested as the villa has an amazing tea room. The tea room’s terrace overlooks the Bay of Villefranche and offers unrestricted views of the bay. You can enjoy your high noon tea in the conservatory area overlooking the garden while also admiring the impressive porcelain collection of Baroness Beatrice Ephrussi de Rothschild. 

The villa is also available to rent for receptions and/or weddings so if you are looking for an original and charming location for an important event in your life this is the place to choose.

Why not visit the Rothschild Villa on your next visit to the French Riviera? Get in contact with HBProperty your perfect apartment and villa partner on the French Riviera.

With just a 2-hour flight time from the UK, Nice is the ideal hotspot for an alternative city break. From the Bay of Angels, the most beautiful urban beachfront in Europe, to the gorgeous old town, there’s so much to see and do. It really is so much nicer to have a city break in Nice!

Must see sights

Though it’s perfectly possible to spend a long weekend simply strolling along the fabulous Promenade des Anglais, Nice has more than enough attractions to fill as a city break destination and leave you wanting more. From the warren of bustling and picturesque streets that make up the old town with its incredible flower market, to the mesmerising Matisse and Chagall museums, Nice is thrillingly cosmopolitan and cultured. Don’t miss a deviation from the Promenade des Anglais to the newly opened Promenade du Paillon, a green space that cuts through the heart of town with fountains and sculptures, then continue up Castle Hill for astonishing views over Nice and to the sea.

Unmissable eats

Eating in Nice is as laidback as the city itself. Enjoy the traditional and delicious chickpea socca pancakes (they’re also gluten free!) or a proper Salade Nicoise as you gaze across the Mediterranean. Beautiful southern stuffed vegetables and salty and delicious Pissaladiere are perfect washed down with some delicious rosé for a healthy and flavoursome lunch. From Michelin starred restaurants like the outstanding Chantecler to the mouthwatering array of seafood at La Petite Maison in the old town, you’ll love the Mediterranean diet.

Perfect places to stay

The Riviera has long been synonymous with style and luxury. The best way to enjoy a city break is to have one that puts you in the heart of the action . If you want to pop to the local boulangerie for a croissant or enjoy the best coffee in town at the Brulerie des Cafés Indien that has been roasting its own beans since the 1940s, have a picnic on the beach or grab a terrace table at Les Distilleries Idéales to enjoy the sunset, then an apartment offers you all the flexibility you need for the nicest city break in Nice. At HB Property we have a property to suit your needs, so contact us today for more details.