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Mortgages

There are many benefits of purchasing a property in France with a French mortgage, especially as French banks can offer a fixed repayment rate for the entire duration of your mortgage at very competitive rates. This also allows clients outside the Euro zone to minimise the risks in relation to the foreign exchange, but also in many cases the interest from the mortgages can be offset against any income received from the property our clients have decided to rent.

Buying abroad is not that difficult, but sometimes the language barrier will put you off. Therefore we have sourced some extremely efficient, English speaking partners that we would be more than happy to introduce you to.

Contact us directly to discuss your project, and we will put you in contact with our best financial partners and mortgage brokers to help you with your next brick and mortar investment in France.


For Foreign Exchange Services, Erna Low Property has been recommending the services of the company below for years. Their team of experts give our clients the very best service, forecasts and most importantly the best rate for their transactions. Whatever the amount you need to transfer, we recommend you contact:

HALO FINANCIAL Foreign Exchange

HALO FINANCIAL Foreign Exchange
Contact: Mimzee Brewer
email: This email address is being protected from spambots. You need JavaScript enabled to view it. 
Tel: +44 (0) 207 350 5473
Website: www.halofinancial.com

You can benefit from the following:

  • excellent exchange rates
  • no transfer charges
  • commission-free
  • allocated personal consultant
  • same day delivery of funds
  • up-to-the-minute market information
  • daily currency reports

For more information on reclaiming the VAT on the price of your French property and for advice on tax issues such as CGT, wealth and inheritance tax we recommend you contact:

Alain Bondaz
Sareg
(Offices in Morzine, Les Gets and Saint Pierre en Faucigny - close to Geneva)
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Tel: +33 (0) 4 50 79 78 60


THERE ARE WAYS OF SAVING FRENCH 20% VAT…

UK buyers may not be aware that they do not have to purchase a property in a leaseback scheme to benefit from a VAT refund. Buyers of new chalets or other classic freehold properties can also benefit from a rebate, as long as they can prove that they will rent the property fully furnished and provide a certain amount of services. TVA, the equivalent of English VAT, is presently running at 20% of the total new property construction cost (and furniture) so it represents a considerable sum.

We would be very happy to go through this with you, and see if this option might suit your requirements, so don’t hesitate to contact our London office to discuss this opportunity.

Erna Low Property recommends the services of SAREG, a registered independent accountancy firm in the French Alps, who can arrange the lease agreements, manage the TVA refund and the annual tax submissions.

“We want to make it as easy and straightforward as possible for our clients that may wish to purchase this way by making them aware of these options as well as providing an accountancy company that can help set the scheme up,”

Reports Francois Marchand, Director.

SAREG have a big team of English-speaking advisors who are geared up to help UK purchasers make the correct choice.

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