Sextant · Category
French mortgages
32 articles · Page 1 of 2
Now or Never to Invest in Property at a Low Rate
After having applied some exceptional reductions on the mortgage rates in May and after a stabilisation in June, banks are now increasing the rates in July.
100% financing now available with a 30% side investment
For non-residents who wish to purchase a property in France, it is still possible to obtain a 100% French mortgage. The criteria for the 100% products that the…
Capital gains tax boost for French home owners
Francois Hollande wants to reduced the waiting time to obtain an exemption from CGT on second homes from 30 to 22 years of ownership.
Gay marriage now available in France!
Wednesday the 29th, the first gay couple have tied the knot in France!
The positives of having no credit check in France
A credit check is an action taken by a lender to determine if a person is creditworthy. A credit check entails seeking a detailed analysis from a credit…
Did You Buy Cash and Have Second Thoughts? Opt for a Post-Finance Mortgage!
Sometimes, you may realize a French property requires extra cash for redecoration, renovation, or simply for your something else you didn’t plan on
Thanks to the ECB, the tracker rates will go down
For the first time since the creation of the euro, The European Central Bank (ECB) has this week reduced its key interest rate from 1% to 0.75%.
Loft Conversions: A New Area At Home
In order to save as much money as possible, it is worth considering purchasing a house in renovation or conversion.
Prepare your Finances Before Moving to France
More and more people living in the UK would like to move to France, which is one of the most popular destinations
English mortgage vs French mortgage
In the UK & France interest rates for mortgages are very similar. For instance, in both countries the average interest rates is 3.70% for tracker mortgage…
French Interest Rates Falls
This isn’t an April fool joke ! Once again, French mortgage rates are falling down which is a very good news for March property buyers. One of our French Bank…
I am a cash buyer. Why should I bother with a French Mortgage?
The pragmatism of astute real estate buyers will lead them to take on
How the Debt Ratio is calculated for a French mortgage?
Generally, French lenders will lend up to 80% of the purchase price to non-residents, although each lender has different criteria.. Some lenders will also add…
How to increase your chances of obtaining a French mortgage?
In spite of French banks having tightened their lending criteria, obtaining a French mortgage is still possible. Most importantly, you must present a coherent…
Self-employed borrowers given a small boost
It is quite well known that, since 2008, banks in the UK and in France have made life very difficult to self employed looking to get finance to buy properties
Why is it the best time to buy a home in France?
Sextant market research has noticed over the last 6 years that best negotiations are realised in November and December.
July French Mortgage Update
Real estate mortgage rates are still rising L’Agence Nationale d’Information pour le Logement (the ANIL for short- the national agency which provides…
Housing: The INSEE rejects the idea of a bubble
Contrary to the Centre for Strategic Analysis, the French Institute for Statistics says the price rise is down to the lack of accommodation and not down to…
It’s time to take out a mortgage!
On Thursday March 3th Jean Claude Trichet, the President of the European Central Bank made a revelation: an important increase of rates is foreseen in April.
Letting your property to students in winter could provide valuable rental income!
When the summer holidays come to an end, with you packing your bags, French students are about to go back school. This traditional period is called La Rentrée…
Opening a bank account in France has never been so easy
You are buying a French property and would like to open a French bank account but don’t know how to proceed:
What is a garantie deplacée?
If you are a home owner in France and want to buy a property abroad, in the United Kingdom for instance, then you can do what is known as a garantie deplacée.
Negotiating the price of a French property
Negotiating the price can be tough for the buyer, and even for the seller. But it can be cheaper if you concentrate on one main objective: obtaining the…
A new capped mortgage product!
At Sextant Mortgages we’re pleased to present a brand new mortgage product, which has been developed to meet our clients’ needs and requests, as they go…