Getting a Mortgage in France, Our Simple Process

 
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  • Step 1: Getting in Touch with a Mortgage Adviser

    The first step you should take is getting in touch with a French Mortgage Adviser so you can understand how much you can borrow and they can take you through the process in details.

  • Step 2: The Application Process

    Filling in the application process will allow us to have all the relevant details in hand such as your income or properties you might be already owning.

  • Step 3: Mortgage Research

    The Mortgage Adviser will then start looking at different mortgages based on your personal situation.

  • Step 4: Approaching Banks & Sending Application

    Once the Mortgage Adviser has found the best mortgage for you, they will approach the different banks and will be sending application on your behalf.

  • Step 5: Bank Agreement in Principal

    Congratulations, a bank accepted your application! You will get a bank agreement in principal, it means they accept to grant you the mortgage.

  • Step 6: Organising Life Insurance

    Finalising your life insurance is the next step you should take. It is a very important part of the process because you cannot get a mortgage without one.

  • Step 7: Opening a French Bank Account

    Naturally you will need to open a French bank account to repay the mortgage. Usually it is opened in the bank granting you the mortgage.

  • Step 8: Final Signing at the Notary - Deed of Sale

    Once you have a formal mortgage offer and you passed the 10 days cooling off period, you can accept the mortgage offer. You will then sign the deed of sale at the notary and you will be a French home owner.

What Our Customers Say

Dylan, was always there for any questions. Proposing different ideas for financing our home, made our purchase possible. Great Service.

What a great experience! Constantly updated through the whole process, very easy to deal with, all questions asked were very clear. The member of staff I dealt with was very very knowledgeable of the mortgage packages available. I can’t thank them enough for all their help! Happy Customer!

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'HB Mortgages' is a trading name of 'HB Property S.A.S'. 'HB Property S.A.S' as comme activites, achat, vente, location et gestion de bien immobilieres, courtage en operations de banque et services de paiement. Immatriculation au R.C.S Antibes ‘831 714 761’. 'HB Property S.A.S' est inscrit a L'Orias le Registre unique des Intermédiaires en Assurance, Banque et Finance sous le numéro d’immatriculation '18005964'. Carte professionnelle 'Transactions sur immeubles et fonds de commerce' (Gestion Immobilière) numéro '0605 2018 000 036 819' délivrée par la CCI de Nice Côte d’Azur. TVA Intracommunautaire FR 06831714761.