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List of require documents to apply for a French mortgage
French banks are generally considered to be more cautious and require more documentation than their UK counterparts. This means that non-status lending, self certification mortgages are not available. The mortgage application will be treated quickly and easily if you can provide the full set of documents detailed below. You may delay your application considerably if you do not provide these documents in a single pack. Banks may ask for extra documents, but the following list is comprehensive for the majority of applications.
FINANCIAL DETAILS
• Last 3 months bank statements, for each borrower, for ALL accounts
• If you are not a home owner you must provide your rental agreement and proof of the rent you pay
• If you pay council tax, please provide the statement or invoice.
• Proof of any extra income. You will need to provide tax returns showing rental income, pensions and dividends.
• Proof of the origin of your personal contribution (savings account, bonds etc)
PERSONAL DETAILS
• Copies 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)
EMPLOYMENT DETAILS AND DOCUMENTATION
• Last 3 months pay slips
• Last 2 P60’s or tax returns
SELF-EMPLOYED DOCUMENTATION
• The last 3 years accounts for the company
• Last 2 years personal tax returns
• Certified accountant’s letter stating income for last 2 years
APPLICATION FORMS
• Mortgage application form
• Life insurance questionnaire (may be sent to you by post at a later date)
• French bank account application form