Home Properties Rentals Guides to France Services Directory French News
Log-in | Register



pointerFinance & Taxation
Mortgages in France
1. Top Tips
2. Remortgage or Euro Mortgage?
3. Types of Mortgage Credit
4. Mortgage Lenders
5. Types of Home Loans
6. Home Equity Release
7. Eligibility Criteria
8. Applying For a Mortgage
9. Mortgage Insurance Protection
10. Getting a Mortgage Offer
11. First-Time Buyer Mortgages
12. Mortgages for Residents of Paris
13. Mortgage Repayment Difficulties
pointerGuides to France
Property in France
Buying property in France
Buying off-plan in France
French property auctions
SCI Ownership
French property rights
Renting property in France
Selling property in France
Building & Renovation
Building a house in France
French planning system
Property renovation in France
French property rights
French Mobile Homes
Work & Business
Business in France
Micro Entrepreneur
Letting property in France
French Unemployment Benefits
Money & Taxation
Banking in France
French mortgages
Currency Exchange
Taxes in France
French inheritance
French home insurance
Living in France
French healthcare
French schools
French universities
Driving in France
French utilities
pointerUseful Links

pointerHelpful Links
Community and News
French Property Newsletter
Newsletter Sign-up
France Services Directory
Metric Unit Conversion
French Health Insurance
Business Opportunities
Property and Finance
French Mortgages
French Planning
French Property Mortgages
Transfer Money to France
French Mortgages

4. French Mortgage Lenders & Brokers

  1. 4.1. National Banks
  2. 4.2. Mutual Banks
  3. 4.3. La Banque Postale
  4. 4.4. Specialist Property Banks
  5. 4.5. Foreign Banks
  6. 4.6. Brokers
  7. 4.7. Comparison of Mortgage Rates

4.1. National French Banks

Credit Lyonnais, BNP-Paribas, Société Générale and CIC all offer loans to their clients. So, if you are not a client, you will need to open an account.

Their rates are not always the most competitive, but if you are an existing client, then there may be scope for negotiation of a preferential tariff.

4.2. Mutual French Banks

Crédit Agricole, Crédit Mutual, Caisse d’Epargne, Banque Populaire also offer loans to clients.

They differ from the national banks in that they are mutually owned, and their regional nature gives them a degree of autonomy that allows some variations in the offer from region to region.

4.3. La Banque Postale

This is the banking arm of the French post office, La Poste, which also offers mortgages and is an underused source of finance.

La Banque Postal have only in recent years been granted the unlimited right to offer home loans, and they are determined to make a presence in the market place with low rates and charges.

Accordingly, you are likely to find they will beat the rates and fees of most lenders.

However, their lending practices may well be more conservative, and the application procedure more long-winded.

Top Tip!
If you have a stable income, and you prepared to be patient, it is worth making a mortgage application to them.

4.4. Specialist French Property Banks

The banks Entennial, l’UCB, and Crédit Foncier, are not deposit banks, but often offer more interesting and competitive solutions to the nationals or the mutuals.

Crédit Immobilier, once a major lender, has now closed its doors after incurring financial difficulties.

Crédit Foncier has a branch office in the city of London, with an English language website.

4.5. International Banks

Some of the main UK based banks who lend in France are, Abbey National, Barclays, HSBC, Halifax and Royal Bank of Scotland.

They are all quite aggressive in search of new clients and are certainly worth investigating.

4.6. Brokers

A growing and potentially interesting source for securing a mortgage is to go through a broker.

Brokers can often obtain better rates and conditions because of volume discount, or simply because banks do not advertise the rates to which they are prepared to go to.

Top Tip!
Moreover, studies indicate that rates vary between regions within the same lender, as well as between the lenders themselves. This is mainly because of local competition.

So it may pay you to trawl the market on a national basis, rather than restrict yourself to bank branches in a particular locality.

Brokers also often have good relationships with insurance companies and so can achieve a better deal.

The UK internet broker International Private Finance might be of particular interest to non-French speaking Anglophones as it operates out of London.

You need to check fees and how they compare to the arrangement fees that may be offered directly by the lender.

As usual, you need to take your time, do your research, shop around, and negotiate.

Next: Mortgage Types

Back: French Mortgage Loan Guarantees

Request a Mortgage Quote

French Mortgages

Couldn't find what you are looking for? Search again now!
Custom Search

The Guides to France are published for general information only.
Please visit our Disclaimer for full details.


AdvertisingLinksHelpInfoContact UsFrance InformationRegionsVersion FrancaiseForums

Copyright © French-Property.com | Property in France | Rentals France