Access the French Mortgage Market With Expert Guidance
Securing a French mortgage as an international buyer requires specialist knowledge. Helena's team works with independent, bilingual mortgage brokers who specialise in cross-border financing — ensuring you access competitive rates with the minimum of friction.
We introduce you early in the process so that your financing is in place before you make an offer — giving you a competitive edge in a fast-moving market.
Key Figures
Common Questions
Can non-residents get a French mortgage?
Yes. French banks regularly lend to non-resident buyers, though criteria differ. You'll typically need a 20–30% deposit and verifiable income. Our broker partners work with international clients daily.
What are current French mortgage rates?
Rates vary by bank, term, and buyer profile. As of 2026, non-resident buyers can typically access fixed rates from 3.5–4.5% over 15–25 years, subject to profile.
How long does mortgage approval take in France?
Pre-approval typically takes 2–4 weeks. Full approval, including property-linked conditions in the compromis de vente, usually takes 6–8 weeks.
Do I need a French bank account?
Most French lenders require a local account for mortgage servicing. Our team can introduce you to banks that specialise in international client onboarding.
What documents will I need?
Typically: last 3 years' tax returns, 3 months' payslips or business accounts, bank statements, passport, and proof of address. Our broker partners provide a full checklist.