French Mortgage Solutions for Expats, Non-Residents and International Clients
Quotation requestMission
Bluesky Finance is all about delivering the dream of a Bluesky life in France. We know that our clients want to live their dreams of owning a property in their favourite region of France. Many want a pied à terre in the capital, others want to enjoy holidays in the sun, ski to their hearts content or retire and be near family. Owning a property in France means that you can always dip into the French lifestyle that is so loved worldwide.
As France based independent mortgage brokers, we want to make that dream come true for you. We will search the market and arrange the perfect solution for our international clients
Why us
- As a France based specialist mortgage broker, we work with a large panel of banks. We are one of the few genuine whole of market brokers and so we can offer you the widest choice of solutions to suit your needs
- We are experienced, fully independent, and regulated mortgage advisers so you can be confident of the advice we give
- The French mortgage market can be complicated and has its own language and if you aren’t fluent, you may miss a trick! So, leave all the hard work to us. We can save you time and money by negotiating the best terms in our native language!
- We are passionate about doing the job to the best of our ability and thrive to serve our customers with best-in-class service.
Our Services
Mortgages
Bluesky Finance is a specialist independent boutique mortgage broker. We provide high quality tailored solutions to non-residents buying or owning properties in France. We can help French expats and international clients with their mortgage, refinance and cash-out requirements.
Our commitment is to guide you and search the whole of the market to find the best deal to suit your circumstances.
Our advice is free and comes with no obligations….
Protection
While Bluesky Finance’s core business is arranging mortgages, we are fully trained and authorized to offer insurance, life and critical illness cover. We see financial protection as an integral part of our service to clients all the more so as French lenders often require that appropriate life protection is in place. We work with specialist insurance companies and we will guide you towards the most appropriate cover to suit your needs.
Secondary services
We work with specialist consultants who can provide guidance with the following matters :
- Property search
- International tax
- Conveyancing
- Estate planning
- Foreign exchange
- Accounting
We are extremely well connected and will be happy to refer you to local experts.
Non-resident best-buy table
| Mortgage plan | Loan type | Max LTV | Interest rate | Exit fee | Monthly payment for every €100,000 | Notes |
|---|---|---|---|---|---|---|
| 15 year fixed | repayment | 50% | 4% | 0% | €740 | Pledge of a saving account with a min. balance of €250,000 |
| 20 year fixed | repayment | 50% | 4.15% | 0% | €614 | Pledge of a saving account with a min. balance of €250,000 |
| 10 year fixed | repayment | 70% | 4.25% | 0% | €1,024 | Minimum deposit of 12 instalments |
| 25 year fixed | repayment | 70% | 5.20% | 0% | €596 | Minimum deposit of 12 instalments |
| 19 year fixed | repayment | 75% | 4.50% | 2.25% | €653 | Prime locations only |
| 25 year fixed | repayment | 75% | 4.90% | 2.45% | €579 | Prime locations only |
| 20 year adjustable with a cap | repayment | 80% | 4.32% | 0% | €623 | Restricted to UK and Irish residents |
| 19 year fixed | repayment | 85% | 4.50% | 2.25% | €653 | Restricted to UK, Swiss, Irish and NL residents |
| 25 year fixed | repayment | 85% | 4.90% | 2.45% | €579 | Restricted to UK, Swiss, Irish and NL residents |
| 7 year fixed | Interest-only | 75% | 5,20% | 2,60% | €433 | Subject to eligibility |
What our customers say
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Brexit and Beyond: The Impact on the French Property Market for UK Expats
The landscape of the French property market has experienced some shifts for UK residents post-Brexit. With the United Kingdom officially parting ways with the European Union, several changes have come into play that British nationals looking to buy or sell property in France need to be aware of. Buying Property in France Contrary to some…
French mortgage insurance : switch and save?
Mortgage protection insurance is mandatory when taking out a mortgage in France. The majority of French lenders require that borrowers are insured for the amount of the loan through a life insurance policy which is assigned to the lender. With mortgage insurance premiums accounting for as much as 30% of the total borrowing costs, it…