CLV FINANCE is an independent mortgage advisor and specialises in organising French mortgages for non French residents.
We have developed tailor made solutions to suit all our customers' needs. We are here to guide you all the way and provide you with the best deal available.
The CLV FINANCE mortgage guide includes everything you would need to know before applying for a mortgage in France.
Your contact is :
Nicolas Hamon
info@clvfinance.com
Tel : 0033 240 157 485
Fax : 0033 240 157 495
List of documents to supply for the mortgage application
What supporting documents do I need to provide with an application ?
(per borrower, guarantor or partner for any personal documents)
APPLICANT(S) DETAILS
- Photocopy of your passport(s)
- Photocopy of birth & marriage certificate(s) + specify how many children you have and how old they are
- Proof of residence i.e. Utility bill
- Three months' personal bank statements illustrating income & outgoings declared
CONFIRMATION OF INCOME
If Employed :
- Confirmation of employment i.e. contract or reference from your employer(s)
- stating income, your position and start date of employment
- Three most recent pay slips and last 3 P60s
If Self-Employed :
- Last three year's audited accounts
- A letter from a chartered accountant confirming the figures and personal drawings
- Last two year's tax returns for UK borrowers
- Last two Tax Form 11's for Irish borrowers
- Last two Tax Declaration for US borrowers.
Other sources of income:
- Last 2 year's tax returns
- Copy of tenancy agreement if rental revenue to be included
- Annual statement of pension or retirement payment details
CONFIRMATION OF OUTGOINGS
- Most recent annual mortgage statement and written up-to-date proof of the
- Current monthly repayment, information on initial amount and duration.
- Copy of tenancy agreement if renting currently
- Copy of any loan agreement(s) in place
- Copy of most recent credit card statement
PROPERTY DETAILS
- Copy of the Sales Agreement (Compromis de Vente)
- Copy of the Acte de Vente if property is already owned
ADDITIONAL REQUIREMENTS
Proof of personal contribution to the purchase (savings statements) .Recommendation letter from home bank stating for how long you have been banking with them, that you have always paid mortgage repayments and loans on time if applicable and that you are trustworthy.
If your bank will not provide you with a reference then please include their contact details as the French bank will ask them directly.