+ 44 (0) 1844 218 957
+ 44 (0) 1844 218 956
Specialists for individuals and small businesses in:
French Tax Administration Services
French Tax Planning
UK Tax Administration Relating to French matters

French mortgage deal of the month

Tuesday, 22 May, 2018
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Charles Hamer is a regulated Independent Financial Adviser , authorised and regulated by the Financial Conduct Authority in the UK.  Our group has been established over 30 years and specialises in French Financial planning, together with French and Spanish mortgage broking.   Our Mortgage Department and bilingual staff ensure choice  for our clients, when securing mortgage finance from our French and Spanish lenders, including schemes which are exclusive to our company .
 
This month included a French mortgage which we obtained on behalf of our clients based a a mortgage equal to 75% of the purchase price, at an interest rate of 1.83 % fixed for the 20 year lifetime of the mortgage  .    Taking into account the associated fees ( mortgage registration fee ; bank arrangement fee; broker arrangement fee and associated life assurance resulted in an APRC of 2.39%), over the mortgage term.  This French mortgage application fell outside the lending criteria of main stream French lenders and was secured through a bank which works exclusively with Charles Hamer.
 
Our mortgage service includes contacting the selling agent and solicitor (notaire / notario) to ensure a smooth transaction, from start to finish.   To benefit from our free “Mortgage In Principle”  service in order to confirm that you meet the French or Spanish bank’s financial lending based on the mortgage amount required , please don't hesitate to contact our office:-
 
www.charlehamer.co.uk,    mortgages@charleshamer.co.uk , Tel. 01844 261886 / 218957.
 
SPECIALIST FRENCH TAX SERVICES   - Via our sister company – Charles Hamer French Tax Services Ltd - we also have a Tax Department, established for over 25 years,  which offers specialist financial advice and tax administration services in connection with French property ownership and moving to France.  
 
The areas of tax advice include
 
- advice and oversight for those wishing to make France their main residence
- a hand -holding service in dealing with the regional French tax offices in connection with  the completion of  annual tax returns for those in receipt of French rental income 
- French Capital Gains Tax service available for those wishing to sell the French property , geared to   mitigate the  Capital Gains Tax bill for our clients - to include  working directly with the French notaire and French Tax Authorities in order to  bring this about.
 
Charles Hamer Financial Services is authorised and regulated by the Financial Conduct Authority . Not all of our services are regulated by the Financial Conduct Authority
 
 
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