Securing a mortgage in France as a non-resident can be complex, especially if you’re unfamiliar with the French financial system.

Partnering with a specialist mortgage broker who understands the needs of international buyers can make the process significantly easier. From finding competitive interest rates to navigating French regulations, a broker ensures your mortgage application is handled correctly and cost-effectively.

Table of contents

• Finding a mortgage broker in France
• Benefits of using a mortgage broker
• Selecting the best mortgage for your needs
• Broker fees and services

Finding a mortgage broker in France

To find the right mortgage broker in France, it’s essential to choose someone with experience in cross-border transactions. A well-connected broker can help you understand your options and avoid common pitfalls. Here are several effective ways to build a shortlist:

• Online search: Use Google or other search engines with terms like “English-speaking mortgage broker France” or “French mortgage broker for expats”. Include the region where you plan to buy.
• Local directories: The French Pages Jaunes (Yellow Pages) allows you to search by business type and location.
• Estate agent recommendations: Many estate agents in France partner with mortgage brokers. They may be able to refer you to someone experienced with international clients.
• Word-of-mouth: Ask friends, colleagues or other expats who have bought property in France for recommendations.
• Banks and financial institutions: Some French banks work with brokers or have English-speaking mortgage advisers on staff. It’s worth enquiring directly.

Before you commit, verify that any mortgage broker you consider is registered with the Autorité de Contrôle Prudentiel et de Résolution (ACPR), the French regulatory authority for financial services. You should also check online reviews to understand others’ experiences with a particular broker.

If you’re not fluent in French, look for a broker with bilingual staff. Many brokers specialise in helping international clients and offer English-speaking services to simplify communication and paperwork.

Once your mortgage is approved you can move quickly

Benefits of using a mortgage broker

Mortgage brokers offer several key advantages, particularly for overseas buyers:

• Expert guidance: Brokers help you understand the French mortgage process, including legal requirements and documentation.
• Access to multiple lenders: Brokers work with a range of banks, allowing you to compare interest rates, lending terms and conditions in one place.
• Personalised advice: A broker assesses your financial situation and recommends mortgages suited to your income, nationality and goals.
• Negotiation power: Brokers often negotiate better terms or reduced fees on your behalf, thanks to established relationships with lenders.
• Time savings: A broker can streamline the mortgage application process and help avoid delays or errors.
• Language support: For non-French speakers, a bilingual broker is an invaluable asset, helping to bridge any communication gaps.

In short, a mortgage broker acts as your advocate in the French property market, helping you save money and avoid common pitfalls when buying abroad.

Your broker is essential for selecting the best mortgage for your specific needs

Selecting the best mortgage for your needs

French mortgage terms can vary widely, so choosing the right product is essential. Most mortgages in France are long-term agreements – typically 20 to 25 years, though some can extend to 30 or even 35 years.

Interest rates in France are often lower than in other countries, but they are influenced by the Euribor (European Interbank Offered Rate) and vary by lender. Loan eligibility is usually capped at around 33% of your gross monthly income, though criteria may differ depending on the bank.

Some lenders assess your affordability based on net income, while others look at gross income. A broker can clarify which lenders are most favourable for your financial situation and nationality.

There are several mortgage types available in France, including:

• Fixed-rate mortgages – Stable monthly payments throughout the loan term.
• Variable-rate mortgages – Payments fluctuate based on interest rate movements.
• Interest-only loans – Lower monthly payments, with the principal due at the end of the term.

Your broker will help you weigh up each option and explain how currency fluctuations, income in a foreign currency, and your residency status could affect your choices.

You shouldn’t ignore broker fees when searching for your overseas home

Broker fees and services

Mortgage brokers in France typically charge fees ranging from 0.3% to 1% of the loan amount, although some may offer fixed-fee packages. This fee usually covers the broker’s time, expertise, and negotiations with lenders on your behalf.

In return, you gain access to a wide range of mortgage products, tailored advice for international buyers, and a smoother, faster application process. Most brokers will also help you gather and translate necessary documentation and work directly with notaires (notaries) and estate agents during the transaction.

While you can apply directly with a French bank, working with a broker gives you the advantage of a comprehensive market overview and professional representation throughout the process.

If you’re planning to buy property in France as a non-resident, working with a mortgage broker can give you both peace of mind and financial clarity. Before you begin your property search, consider booking a consultation with a trusted broker or financial adviser to map out your financing strategy.

To start your journey, book a free consultation today.