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Lowest possible deposit – 100% mortgages

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Option 1 – 100% of price of a new or existing property anywhere in France (repayment only)

Option 2 – 100% for main residence in central and western France (repayment only)


Option 1 – 100% of price of a new or existing property anywhere in France (repayment only)

  • 100% of price excluding notary fees and agents' fees
  • Fixed rate for 2 years at 4.65% then variable at 3.75% thereafter, capped at 5.65% throughout 25 years
  • OR, fixed rate for 25 years 5.75% with early repayment penalty of 3% suspended after five years
  • No early repayment penalty whatsoever.
     
    NB: Restricted to homeowners with minimum income £50K (sole) or £80K (joint), with 30% of project cost available in savings. Minimum loan €200K.

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Option 2 – 100% for main residence in central and western France (repayment only)

  • Up to 100% of the purchase price to include agents’ fee plus renovations if required.
  • Available for a main residence in the Limousin and also for those who buy an investment property in the area whose main address is in France.
  • Interest is charged at 4.55% variable or 5.4% fixed for twenty years.
  • Early repayment penalty is 3% of amount paid off early.

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*Euribor = Euro Interbank Offered Rate (this is the "base rate" for the Euro); the rate at which euro interbank term deposits within the euro zone are offered by one prime bank to another prime bank.

 

NOTE: Your home is at risk if you do not keep up the repayment on a mortgage loan or other loan secured on it. The sterling equivalent of your liability under a foreign currency mortgage may be increased by exchange rate movements.

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