MORTGAGE AMOUNT

DURATION (YEARS)

INTEREST RATE (%)

Monthly repayment (Interest and Capital):

Monthly payment (Interest only):
RATE FROM RATE DESCRIPTION MAX TERM MORTGAGE TYPE LTY DEFERRED PAYMENT BANK SET UP FEES EARLY REPAYMENT MONTHLY PAYMENT

4.65 %

 Fixed rate for the term 25 years Fixed Rate Mortgage 80% 24 Months 1% None, as long as the rate remains variable  

4.40 %

 Euribor 3 months + margin. Max rate 6.10 30 years Capped repayment Mortgage 85% 24 Months 1% None as long as the rate remains variable  

4.20 %

 Euribor 3 months + 2.60% max rate 5.20% 25 years Capped Repayment Mortgage 80% 24Months 1% up to 5000€ 3% of amount being paid off early for first 6 years, None after year 9  

3.65 %

 3 month euribor + 1.85% 25 years Pure tracker mortgage 80% 24 Months 1% 3% of amount being paid off early for first 6 years, None after year 9  

>> Read our guide to getting finance for a second home in France

RATE FROM RATE DESCRIPTION MAX TERM MORTGAGE TYPE LTY DEFERRED PAYMENT BANK SET UP FEES EARLY REPAYMENT MONTHLY PAYMENT

4.65 %

 Fixed rate for the term 25 years Fixed Rate Mortgage 80% 24 Months 1% None, as long as the rate remains variable  

4.40 %

 Euribor 3 months + margin. Max rate 6.10 30 years Capped repayment Mortgage 85% 24 Months 1% None as long as the rate remains variable  

4.20 %

 Euribor 3 months + 2.60% max rate 5.20% 25 years Capped Repayment Mortgage 80% 24Months 1% up to 5000€ 3% of amount being paid off early for first 6 years, None after year 9  

3.65 %

 3 month euribor + 1.85% 25 years Pure tracker mortgage 80% 24 Months 1% 3% of amount being paid off early for first 6 years, None after year 9  

>> Read our guide to getting finance for a Buy-to-Let in France

RATE FROM RATE DESCRIPTION MAX TERM MORTGAGE TYPE LTY DEFERRED PAYMENT BANK SET UP FEES EARLY REPAYMENT MONTHLY PAYMENT

4.65 %

 Fixed rate for the term 25 years Fixed Rate Mortgage 80% 24 Months 1% None, as long as the rate remains variable  

4.40 %

 Euribor 3 months + margin. Max rate 6.10 30 years Capped repayment Mortgage 85% 24 Months 1% None as long as the rate remains variable  

4.20 %

 Euribor 3 months + 2.60% max rate 5.20% 25 years Capped Repayment Mortgage 80% 24Months 1% up to 5000€ 3% of amount being paid off early for first 6 years, None after year 9  

3.65 %

 3 month euribor + 1.85% 25 years Pure tracker mortgage 80% 24 Months 1% 3% of amount being paid off early for first 6 years, None after year 9  

>> Read our guide to getting finance for a Leaseback in France

RATE FROM RATE DESCRIPTION MAX TERM MORTGAGE TYPE LTY DEFERRED PAYMENT BANK SET UP FEES EARLY REPAYMENT MONTHLY PAYMENT

4.55 %

 Euribor 3 months + 3.3% 20 years Capped Payment variable 70% 36 Months 1% None, exept remortgaging  

4.90 %

 Euribor 3 months + margin and capped + 2% during 7 years 20 years Tracker repayment Mortgage 70% 24 Months 1% None, except remortgaging  

4.90 %

 Fixed for all the duration 30 years hybrid interest only+repayment mortgage 70% 24Months 1% up to 5000€ 3%of the capital being repaid or 6 months interests which ever is the lower  

4.40 %

 Euribor 3 months max rate 5.40% 25 years Capped repayment mortgage 70% 24 Months 1% up to 5000&euro 3% of amount being paid off early for first 6 years, None after year 9  

>> Read our guide to getting finance for a Equity Release in France

Learn more about Repayment Mortgages

Repayment Mortgages are generally more expensive as you have to pay the interest on the €100,000 and also pay off a portion of the capital. These mortgages are often called ‘capital and interest’ mortgages. The payment for €100,000 now rises to say, €7200 per year, or almost double. Repayment mortgages are best used for main residences or for investments, like leasebacks, where the aim is to pay the mortgage off and enjoy the income. Repayment mortgages (prêt ammortissables) are the most common mortgage in France and offer the most protection.

RATE FROM RATE DESCRIPTION MAX TERM MORTGAGE TYPE LTY DEFERRED PAYMENT BANK SET UP FEES EARLY REPAYMENT MONTHLY PAYMENT

4.45%

 Euribor 3 months +3.20% 14 years Interest only : Tracker 75% 24 Months 1% None as long as the rate remains variable  

4.80 %

 Fixed 2 years then Euribor 3 months + 3.40% 14 years Interest only : 2 years fix 75% 24 Months 1% None as long as the rate remains variable  

3.70 %

 Euribor 3 months + 1.7% 25 years Repayment : 3 year interest only capped 100% 24Months 1% up to 5000€ 3% of the capital being repaid during the interest only period then free except in case of remortgaging  

5.10 %

 Fixed for all the duration 15 years fixed Interest Only : Fixed Rate 70% 70% 24 Months 1% 3%of the capital being repaid or 6 mths interests which ever is the lower  

>> Read our guide to getting finance for a second home in France

RATE FROM RATE DESCRIPTION MAX TERM MORTGAGE TYPE LTY DEFERRED PAYMENT BANK SET UP FEES EARLY REPAYMENT MONTHLY PAYMENT

4.45%

 Euribor 3 months +3.20% 14 years Interest only : Tracker 75% 24 Months 1% None as long as the rate remains variable  

4.80 %

 Fixed 2 years then Euribor 3 months + 3.40% 14 years Interest only : 2 years fix 75% 24 Months 1% None as long as the rate remains variable  

3.70 %

 Euribor 3 months + 1.7% 25 years Repayment : 3 year interest only capped 100% 24Months 1% up to 5000€ 3% of the capital being repaid during the interest only period then free except in case of remortgaging  

5.10 %

 Fixed for all the duration 15 years fixed Interest Only : Fixed Rate 70% 70% 24 Months 1% 3%of the capital being repaid or 6 mths interests which ever is the lower  

>> Read our guide to getting finance for a Buy-to-Let in France

RATE FROM RATE DESCRIPTION MAX TERM MORTGAGE TYPE LTY DEFERRED PAYMENT BANK SET UP FEES EARLY REPAYMENT MONTHLY PAYMENT

4.45%

 Euribor 3 months +3.20% 14 years Interest only : Tracker 75% 24 Months 1% None as long as the rate remains variable  

4.80 %

 Fixed 2 years then Euribor 3 months + 3.40% 14 years Interest only : 2 years fix 75% 24 Months 1% None as long as the rate remains variable  

5 %

 Fixed 2 years then Euribor 3 months + 3.45% 14 years Interest only: 2 year fix 75% 24Months 1% None as long as the rate remains variable  

4 %

 Fixed for all the duration 20 years fixed Interest only: Tracker 100% 24 Months 1% 30% investment required with the bank (can be in sterling)  

>> Read our guide to getting finance for a Leaseback in France

RATE FROM RATE DESCRIPTION MAX TERM MORTGAGE TYPE LTY DEFERRED PAYMENT BANK SET UP FEES EARLY REPAYMENT MONTHLY PAYMENT

3.70 %

 Euribor 3 months + 1.7% 25years Repayment: 3 year Interest only capped 70% 24 Months 1% up to 5000€ 3% of the capital being repaid during the interest only period then free except in case of remortgaging.  

5.10 %

 Fixed for all the duration 15 years fixed Interest Only: Fixed Rate 70% 70% 24 Months 1% 3%of the capital being repaid or 6 months interest which ever is the lower  

4.90 %

 Euribor 3 months + 3.65% 14 years Interest Only: Tracker 60% 24Months 1% None as long as the rate remains variable  

6.30 %

 Fixed 2 years then Euribor 3 months + 3.30% 14 years Interest only: 2 year fix 60% 24 Months 1% None as long as the rate remains variable  

>> Read our guide to getting finance for a Equity Release in France

Learn more about Interest only Mortgages

With an interest only mortgage (prêt infiné), as the name suggests you only pay the interest on the amount you borrow. If you borrow €100,000 at a 4% interest rate you will have to pay €4000 per year. After 20 years you will still owe the €100,000 and have to sell the property or find funds from elsewhere to pay back the money you have borrowed . Hopefully the property you bought will have appreciated in the meantime so you will have made a profit whilst keeping your costs down.
Interest only mortgages are the mortgage of choice for investors looking to make a return by selling the property for more than the purchase price.