Capital Repayment Mortgages

Capital Repayment Mortgages are the main type of loan offered by banks in France where you are repaying both capital and interest from the start of the loan.


Key Information

  • Minimum Property Purchase price - 1 000 000€
  • Loan to values for non-residents range between 50% - 85%
  • Loan term of up to 25 years

Capital Repayment Mortgages

The Advantages of Capital Repayment Mortgages

  • A capital repayment mortgage allows borrowers to gradually pay off both the interest and the principal amount borrowed over the mortgage term.
  • With each monthly payment, you actively reduce the outstanding balance of your loan, gradually building equity in your home.
  • Unlike interest-only mortgages, where payments only cover the interest charges, capital repayment mortgages ensure progress towards full home-ownership.

Financial Stability and Peace of Mind

  • Capital repayment mortgages provide financial stability and peace of mind as you make regular monthly payments.
  • Each payment decreases the outstanding balance and increases the equity in your home, offering a sense of security.
  • With a capital repayment mortgage, there’s no need for a separate investment vehicle to repay the principal amount, simplifying your financial strategy.

Tailoring the Mortgage Term to Your Needs

  • Capital repayment mortgages come in various term lengths, allowing you to choose what suits your financial goals and budget.
  • Shorter-term options involve higher monthly payments but offer the advantage of becoming mortgage-free sooner.
  • Longer-term options provide lower monthly payments, providing more flexibility in managing your budget.

Whether you’re a first-time home-buyer or considering refinancing, Harrison Brook Mortgages is dedicated to providing exceptional service and expertise throughout your home financing journey. Our team of professionals is here to guide you, answer your questions, and ensure that you have a smooth and successful experience. Contact us today to explore the benefits of a capital repayment mortgage and take the next steps towards building equity in your home.

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