+ 44 (0) 1844 218 957
+ 44 (0) 1844 218 956
Independent Financial Adviser est. 1988
French and Spanish Mortgage Brokers
French Tax Planning Specialists

Areas of advice offered by Charles Hamer , our qualifications and expertise


Peace of Mind : Our Qualifications and Expertise

Charles Hamer Anglo-French Financial Services are specialist financial consultants professionally authorised to provide mortgage finance, life assurance, investment and tax advice in both the UK and in France.
In the UK we are Independent Financial Advisers (IFAs), regulated by the Financial Conduct Authority. We are also IMD (Insurance Mediation Directive) passported into France to provide life assurance advice.
You will find us on the ORIAS register (Organisme pour le registre des intermédiaires en assurance).
Having specialised in French financial planning for the non-French national since March 1988, our expertise lies in being able to both obtain competitive mortgage interest rates (Typical APRC 2.71%) and to design financial solutions that marry the best French strategies with those of your country of residence in order to obtain optimum tax efficiency during ownership. Accordingly we are able to offer a comprehensive financial planning service specifically relevant to the French property owner - a service that cannot be provided by the banks alone who are limited solely to the arrangement of a mortgage.
  • With the exception of the interest-only products, A.P.R.Cs  are 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).