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
Timing ?
You need to start applying as soon as you have reserved your property. It is important to respect this as the vendor generally sets a specific timescale for you to get a mortgage. French banks do not do pre approval but we can help you with this by giving some idea as to what you could afford, so that you are not worried about raising a mortgage.
Once you have provided the list of required documents, CLV FINANCE will send you at least 2 mortgage options in order to select the most appropriate lenders. It will then be transferred to the lenders for a formal decision. You will also have to fill out a questionnaire for life assurance in France, as it is compulsory for any sale with a French mortgage. You will also need a French bank account, from which your mortgage payments will be taken, and if you are buying a leaseback property, this is where you will receive your rental income. CLV FINANCE will also organise this for you.
Once the mortgage application has been made and the required documents provided, you can expect the whole process to take around a month, although if necessary we can get a decision in principle within days.