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Independent Financial Adviser est. 1988
French and Spanish Mortgage Brokers
French Tax Planning Specialists

French Mortgage Interest Rates


For Up -To- Date French Mortgage Rates Click Here


Charles Hamer Financial Services use a unique packaging method, which subject to financial status, can be used to enable brokering for better terms, lower French mortgage interest rates and arrangement fees than those offered as standard (Typical APRC 2.71%) ; which in most cases will save you more money than going direct to a French bank.


  • Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.
  • The sterling equivalent of your liability under a foreign currency mortgage may be increased by exchange rate movements.
  • With the exception of the interest-only products, the above APRC calculation is  based on the assumption of a 100.000 Euros mortgage repaid on a capital and interest basis over 20 years, with interest calculated on the monthly reducing capital balance. Assumed charges to credit are a bank arrangement fee of 1% of the initial mortgage capital (1.000 Euros), notaire's fee for registration of the mortgage deed amounting to 760 Euros, and block policy life assurance premiums at a cost of 2.30 euros per month per 10.000 Euros borrowed. All variable interest rates are assumed to default to an interest rate of the contractual fixed margin plus current base indicator which is then assumed to remain unchanged throughout the remainder of the mortgage term. The APRC for the interest-only products is calculated on the basis that the capital is repaid in full at the end of the term.
  • The broking of French mortgages, when the borrower is resident in the UK, is regulated by The Financial Conduct Authority (FCA). 
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