GET YOUR APPLICATION TOGETHER

Following the changes in the mortgage application process of some EU countries, it is now easier to get a mortgage in France than in many of its neighbours (particularly the UK). Of course, the French are still very protective over their financial markets, including those relating to French second home mortgages products but in many ways this is why it is possible to source such favourable rates over such long periods. Below is a list of all the French mortgage documents you’ll need to collate in order for us to compile your official mortgage application. But first, why not let us create you a free no-obligation quote.

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FINANCIAL DETAILS

  • Last 3 months bank statements, for each borrower, for ALL accounts
  • Mortgage or Rent statement + council tax bill
  • Proof of any extra income such as rental income, pensions & dividends
  • Proof of the origin of your personal contribution (savings account, bonds etc)
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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)
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EMPLOYMENT DETAILS

  • Last 3 months pay slips + P60
  • Last 2 personal tax returns
  • Letter from Employer confirming salary & position
  • Possible CV & LinkedIn profile
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SELF-EMPLOYED DOCUMENTS

  • Last 3 years’ accounts for the company
  • Last 2 years personal tax returns
  • Certified accountant’s letter stating income for last 2 years
  • Website link for your company 
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PROPERTY DOCUMENTS

  • Reservation Contract (Compromis de Vente)
  • ‘VEFA’ documents if new build
  • House Construction – enquire within
  • Weblink showing property details
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ADDITIONAL DOCUMENTS

  • Mortgage application form
  • Life insurance questionnaire
  • Buildings & Contents policy
  • French bank account application form