Financing a property in France from abroad
Expat, foreign buyer or French citizen living abroad: ScoreCredit helps you build a mortgage file that French banks can read, then compare the written offers you receive.
Who we help
- Non-residents and expats buying a home, a holiday home or a rental property in France.
- Buyers moving to France, especially to Montpellier and the Occitanie region.
- Complex profiles: income in a foreign currency, self-employed abroad, mixed sources of income.
How it works
- Describe the project: country of residence, income and currency, deposit, type of property, timeline.
- File review: Lysiane Tendil lists the documents to gather and translate, and the points a French bank will question.
- Bank comparison: offers are compared on the APR (TAEG), insurance, guarantee and flexibility, not on an advertised rate.
- Through to completion: mortgage contingency, loan offer, notary signing.
Guides in English
Questions
Can a non-resident get a mortgage in France?
Yes, it is possible, but there is no universal rule on deposit, rate or guarantee. Each lender looks at the country of residence, income currency, stability of income, the property and the traceability of funds.
Do I need to speak French?
No. You can write to us in English. Some documents (payslips, tax returns) may need a certified translation at the bank's request, and notarial deeds are in French.
How much does a broker cost?
Any brokerage fee is set out in the mandate before any commitment, and no payment can be required before the loan is granted.
Get a first review of your project
Describe your project, country of residence, income currency and deposit. You can write in English. A first review is free, does not commit you and is not a loan agreement: no rate is promised before a written bank offer.