Applying for your French mortgage

A number of documents are required for your mortgage application. We’ve listed everything you’ll need below – we advise making a start on gathering them as soon as possible.

List of required documents to apply for a French Mortgage

Personal details

• Copy of all borrowers’ passports
• Copy of marriage certificate if applicable
• Copy of divorce agreement if applicable
• Proof of home address (utility bill, council tax, etc)

Property details

Copy of signed reservation contract

Financial details

• Proof of personal contribution (savings account, bonds etc)
• Last 3 months bank statements, for each borrower, for all accounts.
• Proof of any extra income. You will need to provide tax returns showing rental income, pensions and dividends.
• If you are not a home owner you must provide your rental agreement and proof of the rent you pay.
• If you have other loans, you must provide monthly statements showing the loan amount, monthly payments, and the loan expiry date.
• If you pay council tax, you must provide the statement or invoice.

Employment details – employed borrowers

• Last 3 months pay-slips
• Last 2 P60s

Employment details – self-employed borrowers

• Last 2 Tax Form 11s for Irish borrowers
• Certified accountant’s letter stating income for last 2 years
• Last 3 years company accounts

Application forms

• Mortgage application forms
• Life insurance questionnaire
• French bank account application form

Mortgage applications will be handled quickly and easily if you can provide all of the above. It will take longer if you don’t supply these documents. Banks may ask for extra documents, but the above covers most applications.