Mortgages
We guide foreign clients through the legal process of securing a mortgage in France. Whether your loan is from a French or international bank, we draft the official deed to register the mortgage or pledge (hypothèque, HSPD, nantissement) and ensure full legal compliance.
Contact us for tailored mortgage and financing advice in France.
We liaise with your bank, structure the guarantee, and advise on the best way to finance your purchase—taking into account joint ownership, tax implications (rental income, wealth tax), and company ownership (SCI, SARL, etc.).
« With our support, your investment is protected by a legally valid and enforceable security under French law, giving you peace of mind. »
Securing mortages
It is one of the main legal responsibilities of a notaire to secure the mortgage (French mortgage or mortgage from a foreign bank) on French properties. Under French law this kind of guarantee is a lien on the property (this includes mostly the hypothèque légale spéciale de prêteurs de deniers HSPD and the hypothèque) or on French shares (French pledge or nantissement).
We will liaise with your French (or foreign) bank or creditor and draft the French deed required to register the charge or pledge.
Advice on the way to finance your project
We can advise on the best way to finance your purchase, the type of mortgage, amount to borrow considering your potential taxation on rental income and wealth tax liability in France.
When financing a French investment it is important to anticipate any technical issues with the bank i.e; who should borrow when purchasing in joint names (indivision), is a caution hypothécaire or a third party agreement required?… If the purchase is in the name of a French property holding company (SCI, SARL…), the bank should be aware of this from the beginning.
Securing a mortgage is a fundamental legal process which requires very clear advice and information.