France has long welcomed international buyers – not just with its charm, culture and countryside, but with a transparent property system and strong legal protections. Whether you’re picturing summer lunches on a Provençal terrace or planning a new life in a French village, buying a home here can be both secure and accessible.
This article will help you understand what’s involved, depending on your nationality, goals and future plans – so you can move forward with clarity and confidence.
Contents
- Can foreigners buy property in France?
- Buying property in France as an EU citizen
- Buying property in France as a non-EU citizen
- Does buying property in France give you residency?
- Mortgages for foreign buyers in France
- Buying property in France through a company
- Tips for international buyers
- Next steps
- FAQs about buying property in France as a foreigner
Can you buy a property in France? Yes. And that home could be in the village of Pujois in Lot-et-Garonne
Can foreigners buy property in France?
Yes. France places no legal restrictions on foreign nationals buying property, regardless of their country of origin. Whether you’re an EU citizen, a British buyer post-Brexit, or from outside the EU (such as the US or Canada), you can legally purchase real estate in France.
For a closer look at the purchasing process, claim your free copy of France Buying Guide:
Buying property in France as an EU citizen
If you’re an EU citizen, the buying process is especially straightforward. You have the right to live, work and own property in France without the need for a visa or residence permit.
Some things to keep in mind:
- Translation support: Many legal documents will be in French. While not legally required, it is strongly recommended to work with a bilingual notaire (legal official) or solicitor.
- Living in France: You can relocate without applying for residence status. However, you may need to register with local authorities if you plan to live in France long term.
Buying property in France as a non-EU citizen
Buyers from non-EU countries – including the UK, US, Australia, Canada, and others – face no legal restrictions when buying property. However, there are some additional considerations:
- Visa requirements: Owning property does not automatically give you the right to live in France. For stays over 90 days within a 180-day period, you’ll need to apply for a long-stay visa.
- UK buyers: Since Brexit, British citizens are treated as non-EU nationals. That means you’ll also need a visa for longer stays or permanent relocation.
- Tax implications: Non-residents may be subject to different tax rates, especially when selling or renting out the property.
Does buying property in France give you residency?
No. Buying a home in France does not automatically grant you the right to live there permanently. If you’re a non-EU citizen and plan to stay for more than 90 days, you must apply for a long-stay visa (visa de long séjour) before entering France.
However, buying property can support your visa application if you intend to retire or live in France full time. Speak with a French immigration adviser or consulate for personalised advice.
Mortgages for foreign buyers in France
Foreigners can apply for mortgages from French banks, but the terms may vary depending on your nationality and residency status.
- Deposit requirements: Most non-residents will need a minimum deposit of 20–30%.
- Income documentation: Expect to provide extensive financial records, including translated payslips, tax returns, and bank statements.
- Lending limits: French lenders follow strict affordability rules. Your monthly repayments typically cannot exceed 35% of your income.
It’s advisable to speak with a mortgage broker who specialises in international buyers.
Tip: If you’re buying in a currency other than euros, consider using a forward contract to lock in your exchange rate and protect your budget from market volatility.
Buying property in France through a company
Some buyers choose to purchase French property through a company structure – especially if they are buying with others, investing in rental property, or planning for inheritance.
Popular company types include:
- SCI (Société Civile Immobilière) – a family-owned company structure ideal for joint ownership and estate planning.
- SARL or EURL – more suitable for commercial investments or holiday rental income.
There are no restrictions on setting up a French company as a foreigner, but tax and legal implications vary depending on your goals and your country of residence. It’s essential to seek legal and fiscal advice before choosing this route.
Tips for international buyers
- Work with bilingual professionals: Choose a notaire, estate agent and mortgage broker familiar with foreign buyers.
- Budget for extra costs: Allow around 7–10% on top of the purchase price for notaire fees and taxes.
- Plan your currency exchange: Using a currency specialist can help you avoid poor rates and surprise costs.
- Understand your tax status: Non-residents may face different rules for capital gains tax, wealth tax, and rental income.
Next steps
Buying property in France as a foreigner is not only possible – it’s a well-trodden path for thousands of international buyers every year. The legal framework is robust, and with the right support, the process can be smooth and rewarding.
If you’re still exploring areas, our guide on where to buy property in France can help you narrow your focus. If you’re ready to understand the steps ahead, from finance to final signature, read our full how to buy property in France guide. And for insights into everyday life once you’re settled, discover what living in France really involves – from healthcare to integration.
For tailored guidance on your own plans, book a free consultation with one of our property consultants. Whether you’re seeking legal clarity, mortgage advice or help finding a local agent, we’re here to make your move to France as seamless as possible.
If you’re ready to explore your options, browse our latest Property for sale in France. From village houses to city apartments, each listing connects you with trusted experts who understand the needs of international buyers.
FAQs about buying property in France as a foreigner
Is it easy for foreigners to buy property in France?
Yes, the process is generally straightforward and secure. There are no legal restrictions based on nationality, and France’s legal system offers strong buyer protections. Working with the right professionals can simplify the journey.
Do I need a visa to buy a home in France?
No, you do not need a visa to buy property. However, if you plan to stay for more than 90 days at a time, you will need a long-stay visa. Owning a home may support your visa application but does not grant residency by itself.
Can I get a mortgage in France as a foreigner?
Yes, many French banks offer mortgages to non-residents. You’ll typically need a larger deposit (20–30%) and will be asked to provide comprehensive financial documentation. A specialist mortgage broker can help you find the right lender.
Is buying through an SCI a good idea?
An SCI (Société Civile Immobilière) is a popular structure for family ownership or estate planning. It can offer flexibility and inheritance benefits, but tax and legal implications vary—so it’s important to take professional advice before proceeding.
