French mortgage:
One step closer to your dream property in France

  • Non resident specialists
  • English-speaking expert advisors
  • Vast network of partner lenders and insurers
Get your free personalized study

How to make borrowing easier
for non-residents?

  • Bank Requirements

    A significant down payment is often required

    Non-residents are often required to provide a substantial down payment, which can limit access to credit.
    Without this deposit, your application may be rejected or delayed, potentially jeopardizing your purchase.
    We identify the right banks for your profile and negotiate favorable terms on your behalf.
    Save time: get expert support now!
  • Regulatory constraints

    A challenge based on your country of residence

    FATCA, TRACFIN, currency controls… Certain regulations can block access to credit depending on where you live.
    Without proper preparation, you may face repeated rejections and impossible requests.
    We proactively address the bank's requirements and guide you to institutions that are more likely to accept your profile.
    Save time: get expert support now!
  • Complexity of the loan application

    A detailed administrative process

    Banks request specific documentation (contract, payslips, tax records) that can vary depending on your country.
    An incomplete file can lead to delays and put your project at risk.
    We prepare a comprehensive, bank-compliant file to speed up your financing process
    Save time: get expert support now!

Why chose us?

  • Save time
    Our brokers simplify the mortgage process for you, providing comparisons of diferent loan products, streamlining communication & managing the lenders, leaving you more time to concentrate on other aspects of the purchase.
  • Save money
    Save money on visiting trips & strengthen your bargaining power by pre-qualifying before visiting, as well as benefiting from negotiated rates and conditions for your mortgage with our partner lenders
  • Local expertise
    Benefit from in-depth knowledge & connections within the local market, our brokers can recommend products or lenders best suited to the regional context.
  • Personalized support
    Benefit from expert guidance at every stage of your home-buying journey, with tailored advice from your dedicated broker.

Wherever you are in the world,
Wherever you want to buy in France,
Our experts are here to help you

What our clients say

4,5/5 - 68 avis
What better way to discover the experience delivered by our international brokers than through the words of our clients?
See all reviews
  • Je suis entièrement satisfait par le service qui a été très réactif et performant. J ai eu mon crédit en un temps très court avec des termes attractifs.

    par fabrice D.
    Annecy International
  • Très bonne expérience avec Augustin, qui a su me conseiller efficacement et m’orienter vers la meilleure solution pour moi. N’étant pas résidente française, j’avais besoin d’un acc...

    par Chloe B.
    Annecy International
  • Merci pour la disponibilité, l'accompagnement et le suivi du dossier, précieux dans une situation un peu particulière depuis l'étranger.

    par Alban G.
    Annecy International
  • Obtaining a French mortgage as an American is no small feat, and Sharon Revol handled it with remarkable expertise. Clear communication, persistence, and deep knowledge of internat...

    par Lillet U.
    Annecy International
  • Travailler avec ma conseillère a été une expérience formidable. Dès le début, elle s’est montrée très compétente et a tout expliqué en détail. Elle a également fait preuve de beauc...

    par Saygin E.
    Annecy International
  • Je recommande vivement! J’ai eu l’impression d’avoir un partenaire, pas seulement un conseiller, soucieux d’obtenir les meilleurs résultats!

    par Patricia W.
    Annecy International

Our expertise

With over 50 years of experience, CAFPI is the leading French mortgage brokerage firm. To better serve international clients, we have created a dedicated international subsidiary.
Sit back and let our team of expert multi-lingual brokers tap into our vast network of specialized and retail lenders, insurance partners, and private banks to offer a tailor-made service and solution for your project.
Let our experts guide you!
Free, tailored study with no obligation.
  • Specialized brokers
    Multi-lingual brokers expert in nonresident and expatriate files.
  • French mortgages
    For nonresident and expatriate clients: private finance & SCI / SARL's.
  • Asset optimization
    Loan structuring & borrowers insurance optimization.

Common questions

  • Can I get a French mortgage if I don’t live in France?

    Yes, you don’t need to live in France to qualify for a French mortgage—as long as the property you’re purchasing is located in France or in the French Overseas Departments and you meet the French lender criteria in terms of eligibility for the mortgage. We are proud to assist customers living all over the World, including (but not limited to) the UK, Ireland (and Europe more broadly), the US, Australia, Asia, and the United Arab Emirates.

  • Do I need to travel to France to arrange the mortgage?

    Our expert advisors are available for video calls and offer flexible working hours, allowing the entire process to be managed remotely in most cases. As a CAFPI client, you’ll have access to a secure online portal, accessible from anywhere in the world. Most French banks and mortgage lenders can handle the full process at a distance. Our experienced mortgage advisors will guide you through any specific requirements related to your individual case.

  • I live in France, can you help me?

    Absolutely! Whether you're purchasing property in France or abroad, we can help you secure the right mortgage. Our experts also offer support with international financing, loan restructuring, financial optimization, commercial property loans, and borrower insurance.

  • How much can I borrow with a French mortgage?

    France has strict mortgage lending rules, and the amount you can borrow may vary depending on how each bank or mortgage provider interprets those rules. French lending is income-based, not asset-based—meaning lenders focus on the stability and sufficiency of your income.
    Your total debt-related expenses (including existing mortgages, leases, and the new loan) must not exceed 35% of your net taxable income.
    Our expert team of international brokers will help you assess your borrowing capacity, understand lender criteria, and establish a clear budget. This makes the process easier and puts you in a stronger position as a buyer.
    A preliminary call and review of your financial file will give you a clear idea of how much you can borrow.

  • How much deposit do I need?

    As a non-resident buyer, you’ll need to contribute a personal deposit (down payment) toward the property purchase, along with covering all purchase-related costs from your own funds. The exact amount required will depend on your project and personal financial situation.

  • Does CAFPI charge a fee?

    Yes, our fee is clearly outlined in the quotes we provide and communicated to you upfront—before any work begins—ensuring full transparency in line with French regulations. CAFPI is regulated by the ACPR (French Prudential Supervision and Resolution Authority) and registered with ORIAS, the official registry of insurance and finance intermediaries.

  • What types of mortgage exist in France?

    Most French property loans are capital repayment mortgages, meaning the loan is fully repaid by the end of the term. While interest-only loans do exist, they are less common and typically reserved for specific cases—such as off-plan properties—where capital repayment may be deferred for up to 3 years whilst the property is being built. French lenders also generally offer fixed interest rates for the entire duration of the mortgage, providing long-term stability.

  • Can I get a mortgage before I find a property?

    Our expert advisors can assess your borrowing capacity based on French lending criteria and provide a quote along with a feasibility certificate. This can strengthen your position as a serious buyer when you find the right property.
    However, you cannot receive a formal mortgage offer without a specific property. In France, once you sign a pre-purchase contract (Compromis or Promesse de Vente), it will include a “Clause Suspensive”—a condition that makes the sale dependent on securing a mortgage offer.
    It’s crucial to respect the timeline outlined in this clause and apply promptly. If you’ve already signed a pre-purchase contract and haven’t yet applied for a mortgage, contact us immediately—time is of the essence!

Invest with confidence no matter
where you live in the world.

  • Exclusive access to banks open to international clients
  • Bespoke, end-to-end remote support
  • Multilingual advisors who understand your needs
Request your complimentary financing review