When buying a property in France, the simplest method of finance is to get a prêt immobilier (mortgage) in euros, through a French provider.

With low interest rates, competition between banks and brokers is high and it is worth shopping around.

The French have traditionally preferred fixed-rate mortgages to variable ones, but both are available. Mortgages can run from as little as 15 years up to 30 years.

Other options to consider, but which require the help of tax experts, include buying in France by remortgaging a UK property or investing in buy-to-let.

Useful tip

• France will not let your total borrowing exceed 33 per cent of your net household income. Total borrowing in this case includes any other outstanding loans or mortgages you may have.

In the full Moving to France helpguide, we explain:

• The documents you need to provide
• Eligibility criteria: how much can you afford?
• Interest rates and fixed/variable options
• Using a mortgage broker
• Shopping around for the best deal for mortgage insurance
• Finding an English-speaking lawyer or estate agent

Download the guide as a PDF now from this link
…or ask a question about this topic in the comment box below.