French Mortgage Xpress

French Mortgage Xpress French Mortgage Xpress prides itself on delivering your French Mortgage Quote within 1 working day – and a loan approval response within 7 working days!

As an Independent Mortgage Broker based in France we’ve built a reputation of an honest, reliable and speedy service. Our personal relationship with many of the top French banks is superb giving us the opportunity to deliver a fast, efficient and professional service for your French Mortgages.

• All Documentation in English
• Experienced Bi-Lingual Staff
• Lowest French Mortgage Rates
• NO BROKER

FEES
• Unrivalled relationships with the leading French lending banks
• Hassle free quote in 1 working day for the best French Mortgages
• French Mortgage Approval Decision within 7 working days

Simply complete the Online Quote Request form and get an answer in 24 Hours! Please call us now: +33(0)4.92.98.80.70 or email: [email protected]

27/09/2013

Tips for Improving Your Chances of Success when Applying for a French Mortgage.

Matt Frost tells us what makes the difference between a French Mortgage application that shines and one that smells less than sweet.

5. Be IT Savvy: Almost all documentation can now be scanned and sent electronically to the lending banks, including passports and application forms. This can speed up the procedure and cut down on waste paper.

Of course, each application is different; but by using the above tip you can help push your application to the top of the queue and significantly improve your chances of a successful French Mortgage application.

All tips can be found on: goo.gl/eff7OI

25/09/2013

Tips for Improving Your Chances of Success when Applying for a French Mortgage.

Matt Frost tells us what makes the difference between a French Mortgage application that shines and one that smells less than sweet.

4. Be One Step Ahead of the Game. If self-employed, ask your accountant to prepare a short note confirming your income for the last two years together with a provisional figure for the current year. Similarly, for employed and self-employed applicants, a financial c.v. showing your professional career and earnings history is a nice addition to your file.

Of course, each application is different; but by using the above tip you can help push your application to the top of the queue and significantly improve your chances of a successful French Mortgage application.

All tips can be found on: goo.gl/eff7OI

24/09/2013

Tips for Improving Your Chances of Success when Applying for a French Mortgage.

Matt Frost tells us what makes the difference between a French Mortgage application that shines and one that smells less than sweet.

3. Be Clear. Most underwriting teams actually want to pass your dossier. Help them by high-lighting incoming salary and out-going mortgage payments on your bank statements. Explain any large one-off payments and point out where your down-payment is coming from if it is in more than one savings account or in different currencies.

Of course, each application is different; but by using the above tip you can help push your application to the top of the queue and significantly improve your chances of a successful French Mortgage application.

All tips can be found on: goo.gl/eff7OI

22/09/2013

Tips for Improving Your Chances of Success when Applying for a French Mortgage.

Matt Frost tells us what makes the difference between a French Mortgage application that shines and one that smells less than sweet.

2. Be Organised. List the documents you have provided on a separate sheet of paper or email. This impresses the underwriter that you know what you are doing and have not just emptied the contents of your document box for the underwriter to pick through the rubble of your private papers.

Of course, each application is different; but by using the above tip you can help push your application to the top of the queue and significantly improve your chances of a successful French Mortgage application.

All tips can be found on: goo.gl/eff7OI

20/09/2013

Tips for Improving Your Chances of Success when Applying for a French Mortgage.

Matt Frost tells us what makes the difference between a French Mortgage application that shines and one that smells less than sweet.

1. Be Thorough. Make sure all the information requested in the application form is complete and backed up with the relevant documentation—and don’t forget to sign and date the application form!

Of course, each application is different; but by using the above tip you can help push your application to the top of the queue and significantly improve your chances of a successful French Mortgage application.

All tips can be found on: goo.gl/eff7OI

15/09/2013

French house prices accelerating faster than incomes

The price of French property is thought to be overvalued in many areas of France, when looking at the average increases to household income. A recent study goes into some detail about the extent of the phenomenon and how the gap between housing prices and household income has increased between 2000 and 2010.

People saying that property prices are overvalued in France is not a new phenomenon and the detail revealed by the report on the capital.fr website has accurately determined the growth recorded over the last full decade by the FNAIM (federation of French estate agents) and compared it to average taxable household income figures from General Directorate of Public Finance.

In 10 major French cities we are seeing a startling increase to house prices with no corresponding increase to household income. The study paints a pretty damning picture with the real estate market appearing significantly overvalued in cities such as Strasbourg (+65% between 2000 and 2010 with an average income increasing by 10%), Clermont-Ferrand (80% for price and 17 % of income) or Nantes (99% and 23%).

However, these figures appear meager compared with other cities which followed. During the last decade, property prices grew even more disproportionately in Toulouse (119% with an average price from 1156 euros per square meter in 2000 to 2532 euros in 2010) and in Paris where the average price per square meter increased from 3167 euros to 7208 euros (128%, while the average taxable income only increased at the same time only 13%).

Marseille and Lyon also show relatively similar increases (prices up 130% and income evolving respectively 22% and 18%). The winner was Toulon where the price of housing has soared by 164% in ten years (983 euros per square meter in 2000 against 2591 euros in 2010).

By not taking into account the historically low level of mortgage interest rates or the different tax devices in favor of homeownership such as the PTZ Plus, the new tax exemption law, etc.., the study certainly appears incomplete but nevertheless it does show a market property largely disconnected from reality, a trend which we see across many European countries.

FRENCH MORTGAGE IN 3 EASY STEPSComplete the simple quotation form and within 24 hours you will receive a first proposal....
20/05/2013

FRENCH MORTGAGE IN 3 EASY STEPS

Complete the simple quotation form and within 24 hours you will receive a first proposal. In the next 3 days one of our Multi-lingual team will contact you to explain this initial French Mortgage quotation fully. We’ll now be in a position to recommend the best French ­Mortgage and specific lender for your circumstances. We send you the full ­mortgage pack. You complete the form, send it back with the required documents and Voilà!

Rate example: 2.35% for a Standard Repayment with 75% LTV

http://www.frenchmortgagexpress.com/get-a-quote/

Why are our French Mortgage rates the lowest on the market? Simple – We haven’t added any fees or charges to the interes...
19/05/2013

Why are our French Mortgage rates the lowest on the market? Simple – We haven’t added any fees or charges to the interest rates you see. We take the lowest rates from the banks and pass these directly onto our clients – What you see is what you get!

2.35% for a Standard Repayment with 75% LTV

Our Superyacht Crew Mortgage for Captains, Engineers, or Crew members on a Superyachts looking for a French Mortgage.No ...
03/05/2013

Our Superyacht Crew Mortgage for Captains, Engineers, or Crew members on a Superyachts looking for a French Mortgage.

No Income Tax Returns……but a stable income within the yachting industry? French Mortgage Xpress has been working within the French Mortgage field in France since 2004 and has assisted many clients within the yachting industry to purchase properties in France. Knowing some of the difficulties that a ‘non-tax status’ can bring, French Mortgage Xpress are perfectly placed to offer you a bespoke Superyacht Crew Mortgage designed specifically for people working within the yachting industry and looking for a French Mortgage.

3.10% repayment loan, minimum 30% deposit

Superyacht Crew Mortgage Characteristics:
- Minimum Loan Amount: €100,000 Maximum €1,000,000
- Minimum Down-Payment: 30% of Purchase Price
- Interest Rate: 3.10%
- Term: 10 to 30 years

There are numerous costs and charges associated with the purchase of your property in France. These costs can vary depen...
27/04/2013

There are numerous costs and charges associated with the purchase of your property in France. These costs can vary depending on the type of property you are buying (off-plan, or re-sale) and by the amount of the French Mortgage you obtain from a French bank.

Agent’s Fees: Generally real estate agents’ fees are around 4%-6% of the purchase price and will be included in the compromis de vente. Some French Mortgage providers will only finance the agency fees if the cost is rolled up into the selling price and not separated out.

Notary Fees: These can vary between around 3% for a new build and around 7% for a re-sale. You should check with your notary to the exact amount of the notary fees payable. Notary fees are payable on the day of signing the acte authentique and are not financed by the lending bank. Make sure you have budgeted for the correct amount of fees and confirm that your notary has included all land registry fees due.

Bank Arrangement Fee: French banks charge a French Mortgage arrangement fee of between 700 Euro and 1,200 Euro. This fee includes the cost of a compulsory valuation survey on the property you intend to finance. The bank arrangement fee is usually payable within one month of the French Mortgage coming into force and will normally be deducted automatically from your French bank account.

Land Registry Fee: If a French Mortgage is used then additional fees and registration costs are payable to the notary for registering the charge against the property at the ‘bureau des hypotheques’, which can amount to up to 2% of the amount borrowed. Check with your notary for confirmation of the exact sum. This fee is payable at the same time as the notary fees on the day of signing the acte authentique.

French Bank Account: A French bank will normally charge around 90 Euro a year for running a current account. This service should also include internet access to your account which is essential if you’re UK based or living somewhere other than in France.

Check with French Mortgage Xpress who can advise you early on if any adjustments are necessary to the compromis de vente in order for a French bank to finance the agency fees

Remember: French Mortgage Xpress does not charge you a fee for their services.
The lending bank where the French Mortgage is placed pays an introducers fee to us.
This fee is not an addition to the fees that you pay to the lending bank.

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