Getting a French mortgage as a non-resident
Living abroad does not stop you borrowing in France. French banks do lend to non-residents, for a second home, an investment or a future move, but on specific terms: a larger deposit, a more detailed file. Here is what to expect, from a registered French broker who works in English.
General information. This is not an offer of credit or personalised advice, and no rate is guaranteed. Yann Nachtrieb, registered mortgage broker (COBSP) and insurance broker (COA), and financial investment adviser (CIF), ORIAS no. 26009903.
Yes, French banks lend to non-residents
Whether you are a foreign national or a French citizen living overseas, several French banks will finance a purchase in France from abroad. They usually treat EU residents and non-EU residents differently: the latter, including UK buyers since Brexit, are generally asked for a larger deposit.
One rule applies to everyone: your total loan repayments should not exceed around 35% of your income. Income earned in a foreign currency is taken into account, sometimes with a margin of caution for the exchange rate.
What to prepare
Three things need anticipating. The deposit first: for a non-EU non-resident, banks often ask for 20 to 30% of the price, sometimes more. The documents next: proof of income, bank statements and tax returns from your country of residence, often translated. Finally, some banks ask for a cash reserve, a few months of payments set aside.
None of this is a wall, but a non-resident file is built in advance. This is where a broker earns their keep: knowing which bank says yes to your profile, and how to present foreign income.
Non-resident file at a glance
| Point | Typical benchmark |
|---|---|
| Deposit (non-EU non-resident) | Often from 20 to 30%, sometimes more |
| Debt-to-income cap | Around 35% maximum |
| Income considered | Foreign currency, treated with caution |
| Buying costs | 7 to 8% of the price (existing homes), on top |
| Cash reserve | Sometimes required |
General, indicative benchmarks that vary widely by bank and profile. No acceptance or rate is guaranteed.
Frequently asked questions
Can a UK resident get a French mortgage after Brexit?
Yes. Several French banks lend to UK residents for a main home, a second home or an investment. They generally ask for a larger deposit than for residents. The terms depend on your profile and the bank.
How much deposit will I need?
Often from 20 to 30% of the price for a non-EU non-resident, sometimes more, and always on top of buying costs. It varies by bank and by profile. See the deposit guide.
Can the whole process be handled remotely?
Yes. The file can be prepared and signed remotely, by phone, video and electronic documents, in English. You do not need to be in France to move forward.
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