French Mortgages by CAFPI

16/03/2025

🇫🇷 How much can a non resident buyer borrow with a French mortgage? 🇫🇷

1️⃣ Income over assets
French lenders focus on regular taxable income (rather than assets) and existing financial commitments.

2️⃣ 35% debt-to-income ratio
Under rules set by the governmental body HCSF (Haut Conseil de Stabilité Financière), your total monthly debt (including the new mortgage + life insurance) shouldn’t exceed 35% of your net taxable income.

3️⃣ Key factors lenders consider
✔️ Leftover income after bills and commitments
✔️ Your country of tax residency
✔️ Existing loan interest rates & possible stress tests
✔️ Financial housekeeping (e.g., overdrafts, rejected payments)
✔️ Savings habit and use of credit cards
✔️ Property ownership history
✔️ Profession & age
✔️ Energy performance of the property
✔️ Location & condition of the property

4️⃣ Personal contribution required
As a non-resident, expect to contribute 15% to 50% (plus fees) towards the purchase. Even if you can borrow more, your savings will influence how much a bank will actually lend.

5️⃣ Every bank is different
Each lender interprets calculations differently and has its own criteria.

Let us help!
At CAFPI International 🌍, our team of experienced brokers works closely with various banking partners to save you time and money navigating the French mortgage process.

Ready to make your French property dreams a reality?
Send us a message to [email protected] ✨🏠✨

16/03/2025

🌟 A smooth start to the year with a dream home in Cannes! 🌞

CAFPI International broker, Cécile Doffin successfully arranged a 60% LTV mortgage with a 3.55% fixed rate over 20 years for a French-American couple residing in California. 🏡✨

What makes this deal special? It was secured over the Christmas period, ensuring a fast-tracked completion at the beginning of the year—the perfect way to start 2025! 🎉

✅ 60% LTV mortgage
✅ 3.55% fixed rate over 20 years
✅ Quick approval despite the holiday season

📧 Need expert mortgage solutions for your French property purchase? Contact us: [email protected]

📢 Know someone looking to buy in France? Share this post!


🌟 Un début d’année en beauté avec une résidence secondaire à Cannes ! 🌞

Cécile DOFFIN de CAFPI International a accompagné un couple franco-américain, résident fiscal en Californie, pour obtenir un prêt immobilier à 60 % LTV avec un taux fixe de 3,55 % sur 20 ans. 🏡✨
L’atout majeur ? Le prêt a été finalisé en un temps record pendant les fêtes de Noël, permettant une signature dès le début d’année—le parfait cadeau de Nouvel An ! 🎉 Bravo Cécile!

✅ Financement à 60 % LTV
✅ Taux fixe de 3,55 % sur 20 ans
✅ Délai exceptionnel malgré la période des fêtes

📧 Besoin d’un prêt immobilier pour votre achat en France ? Contactez-nous : [email protected]

📢 Connaissez-vous quelqu’un qui rêve d’investir en France ? Partagez cette publication !

16/03/2025

We hope you enjoyed this session. Please note that comments made may not represent that of the firms represented. Equally always get personal advice. If you ...

16/03/2025

🌟 Félicitations à Gaëlle Martin de l'équipe internationale chez CAFPI pour son dernier avis client 5 étoiles sur Google ! 🌟

Ton engagement et ton professionnalisme font toute la différence pour nos clients. Continue à briller et à accompagner nos clients avec la même passion ! 💪



🌟 Congratulations to Gaëlle Martin from our international team at CAFPI for her latest 5-star customer review on Google! 🌟

Your commitment and professionalism make all the difference for our clients. Keep shining and supporting our clients with the same passion! 💪

16/03/2025

Yes! 🇺🇸 US residents can get a French home loan to buy property in France. 🏡💶

CAFPI International brokers have already financed many American residents this year and continue to assist clients daily. Typically Loan to Values of up to 75% are available with fixed interest rates for duration.

Interest rates in France are much lower than in the US meaning big savings for buyers choosing a French mortgage over a home equity loan Stateside.

Expert guidance from our Team of specialized & experienced brokers can make your dream come true. ✅

📩 Need help? Let’s talk!

08/03/2025

We hope you enjoyed this session. Please note that comments made may not represent that of the firms represented. Equally always get personal advice. If you ...

08/03/2025

26/01/2025

🌟 Dreaming of Buying a Property in France? 🇫🇷🏡

💻 Join our exclusive webinar!
Our panel of experts is here to guide you through every step of the process, from relocation tips to financial planning. 💼✨

👩‍💼 Meet the Panelists:
✅ Carol Ann Wheeler – French Property Expert
✅ Jonathan Watson – Currency Specialist at LUMON 💱
✅ Sharon Revol – French Mortgage Expert at CAFPI 💶
✅ Peter Wakelin – Partner at Blevins Franks Wealth Management 💰

📩 Submit your questions in advance (at least 24 hours before the webinar!) to make sure we cover everything you need to know. 🎯

🔗 Sign up now and take the first step toward your French property dreams! https://register.gotowebinar.com/register/5556882732331948640

10/01/2025

(🇺🇸🇬🇧English post below )

🌍 Une résidence secondaire au bord de la mer ? 🌊
Notre courtier, Thierry Touboul, a accompagné un fonctionnaire français expatrié, vivant et travaillant en Ukraine, pour réaliser son rêve à Hendaye. 🏡
Grâce à ses conseils d’expert, Thierry a obtenu un prêt à 80 % LTV à taux fixe de 3,5 % sur 10 ans. 💼✨

Vous souhaitez acheter la maison de vos rêves en France ?
📧 Contactez-nous dès aujourd’hui : [email protected]
📢 Partagez cette histoire avec vos proches qui pourraient avoir besoin d'aide !

̂timmobilier ́sidencesecondairee ́s

-------------------------------

🌍 A second home by the sea? 🌊
CAFPI International mortgage broker Thierry Touboul assisted a French expat civil servant living and working in Ukraine to make their dream come true in Hendaye. 🏡
With expert advice, Thierry secured an 80% LTV mortgage at a fixed rate of 3.5% over 10 years. 💼✨

Looking to purchase your dream home in France?
📧 Contact us today: [email protected]
📢 Share this story with friends who might need our help!

11/12/2024

🎅🎁Christmas has come early for international borrowers seeking a French mortgage! One of our lending partners, who offers “dry” mortgages with no savings transfer requirement, has just announced 𝐚 0.15% 𝐭𝐨 0.2% 𝐫𝐚𝐭𝐞 𝐫𝐞𝐝𝐮𝐜𝐭𝐢𝐨𝐧 ↘️ (the exact rate depends on the mortgage term).

With lower interest rates and favorable exchange rates, owning a piece of France has never been more affordable!

Contact the team at International - [email protected]

🎉🏠💶🔑



🇫🇷
C’est Noël avant l’heure pour les emprunteurs non residents et expatriés à la recherche d’un prêt immobilier en France ! L’un de nos partenaires bancaires, qui propose des prêts sans besoin de pledge ou de collatéral, vient d’annoncer une baisse de taux de 0,15 % à 0,20 % (le taux dépend de la durée du prêt).

Des taux plus bas, combinés à un taux de change avantageux, rendent l’acquisition d’un bien immobilier en France plus abordable que jamais !

🎁🏠💶🔑

22/04/2024

Find and buy your dream home in France!
Join French industry experts tomorrow evening at 7pm French time for an information packed hour focused on buying property in France.
Tomorrow's host, Karen Tait, Editor of French Property News magazine, will be asking a panel of specialists your questions, so register now to join us: https://bit.ly/buyinginFrancewebinar
Panelists include:
Lisa Greene - French property specialist from Leggett Immobilier - Living In France
Amanda Johnson - providing financial advice and expertise on investments from Spectrum
Jonathan Watson - from Currency experts Lumon
Allison Lounes - Visa and moving to France specialist
Helen Harrop - answering questions on insurance and bank accounts from Agence AXA International
and myself representing CAFPI, France's most historical mortgage broker
These evenings always fly by and each session is different so do join us tomorrow even if you have already attended a previous webinar.