TERMS & CONDITIONS

T & C’s AND YOU

Who we are: 

We are CLARK FINANCE (SAS) – trading as ICE Finance – a French registered financial advisory practice. Regsitered and authorised to trade as ‘Investment Advisors’, ‘French Mortgage Brokerage’ and ‘Insurance Brokerage’. We are based throughout France, with our Head Offices located at 2 rue du Marché, 87210 Châlus, FRANCE.
ICE Finance is a credit intermediary with ORIAS authorisation number 17004712.

 

What we do: 

We act as intermediary between international buyers of French property and a range of French Retail banks and International Private banks. We provide a range of options from which you can select the option that is best for your purchase.

 

Our charges:

References to “you” or “your” are references to any person accessing this web-site (“Site”). It is free to apply for a mortgage with us. You will have no charge unless we are successful. We may receive a commission from the French bank as payment for preparing your application. In some cases we may find that the best offer is via a bank who do not offer commission, in which case an additional broker fee will be charged which will range from 0.25% to 2%. All charges will be made clear from the outset, as we clearly layout all main property purchase costs to you in addition to full transparency on mortgage related costs. In the event a broker fee is payable, this will be charged upon your acceptance of any mortgage we obtain for you and is payable within seven days.

 

General terms and conditions for advertisements: 

General disclaimer – Your rate may differ from the advertised rate. Loans are subject to status. Early settlement fees may apply. ICE Finance is a credit intermediary with ORIAS authorisation number 17004712.

YOUR PROPERTY IS AT RISK OF REPOSSESSION IF YOU DO NOT KEEP UP YOUR PAYMENTS FOR A MORTGAGE OR OTHER SECURED LOANS

The final terms and conditions of any loan will be found in the French version of the mortgage offer. Any translations into other languages do not hold weight and cannot be relied upon under French law. Rates may change at any time and the final rate will only be secured once you receive your mortgage offer. All mortgages are subject to status and eligibility criteria which can change at any time. ICE Finance do not guarantee that you will obtain the lowest rate on the market. We work with a panel of lenders with whom we have a track record of obtaining loan offers on a cross border basis. In some cases we may work with new providers where our knowledge of lending committee decisions may be less extensive. In which case it may be that the offer is not forthcoming from the bank in France.