The answer depends on your income and expenditure as well as on the amount of equity you have on your current home (if that applies). We won't lend more than you can afford to repay.

Your interest rate will depend on your personal data. Please contact us and one of our trained advisors will be able to assist you.

Yes, but there may be fees to pay to cover the administration involved in redeeming the mortgage earlier, plus the costs that we incur by repaying the money we borrowed to give you your mortgage. If you're redeeming your mortgage to take out another mortgage with us (such as to move to larger house), we may waive or reduce the fees.

Payment Protection Plan Insurance will cover your monthly payments if you're unable to work due to accident, sickness or unemployment. For further details, contact us.

Yes. We offer competitive rates based on your individual circumstances so if you've got a good record, you'll get a rate to match.

No. We consider everyone's circumstances on an individual basis.

The loan amount depends on the debt to income ratio. Banks in France will look at your total monthly outgoings (rent paid out, mortgages or other personal loans) and future monthly payments.

We have designed a special section which details all regions of France. This will allow you to discover and choose the perfect region that reflects your personality, wants and needs.
>Discover all the regions of France

Once you have found your home, the process before completion takes usually between 2 to 3 months.

First, get an estimate of how much you can afford with our calculators. This will help you to only target properties within your budget.
> Calculators
Then, have a look on our guide to help you through your buying process:

> Steps to buying
When you find your suitable property, contact our dedicated bilingual team.
> Contact us

There are several additional costs related to your property purchase that you should be aware of before buying such as notary public fees and insurance. We have gathered all the costs to consider with approximate prices.
> Prepare my home financing

Don’t worry; we have a dedicated bilingual team to help you through each step of the application process as well as throughout the term of the loan!

As a rule, we finance up to 80% LTV of the net price of the property or property value, whichever the lower including agent fees but excluding notary's fees.

No, you will have to pay for them yourself. Please note that they are around 8% of the purchase price for existing properties and 3% for new developments.

If your property is located abroad, we would be able to offer you an equity release..

If you already own a property in France, we could consider releasing the equity in this property to purchase the property in the UK.

If you are purchasing a property with another party, you will have to forward details of this person as well.

We finance any private property except those used as commercial lending such as B&B, leaseback, gites, camping sites etc. If the property is used as both second home and seasonal rental, we would consider it. The main point is that the rental has to be private rental and not as a Bed & Breakfast (B&B) or gite. The B& B is considered commercial and GE does not have the licence to finance such project.

We are able to offer a mortgage only if the company is a civil real estate (called in French – Société Civile Immobilière).

In France, the currency is the Euro, and Euro mortgage rates have traditionally been lower than the rates in UK and USA. With a Euro mortgage, you may profit from lower rates. Besides, you won’t need to secure your mortgage against any property you are buying in other countries.

You will need to provide us with:
- your age and country of tax residence - your income: If you are employed, you will have to provide us with your gross annual income; If you are self-employed, you will need to indicate your net share of profit for the last 2 years as per tax returns
- your current monthly outgoings (any rent, mortgages, personal loans)
- the value of property on which the equity release is to be applied
- the outstanding mortgage amount on the above mentioned property (with lender name and your monthly payment)
- your loan amount and duration required

Depending on the loan package that you choose, you can benefit from a loan with a repayment term of between 8 to 30 years.

Yes, equity release is something that GE Money does. We can do it on properties that are either main homes or second homes, buy to let (on an annual basis, private).
> Learn more about the equity release option.

We do finance the renovation projects. Our minimum loan amount is 21000€. We will need to have estimates for works from builders registered in France. The money will be released on stage payments based on invoices received.

To see the maximum loan to value, we need to know the equity funds destination. If it is for works or new purchase for example and if GE has control over the funds, then we would go up to 75% LTV. If you want just cash out for you to use as you want, then we would go up to maximum 40% of the value of the property.

By law, the insurance is optional. However, banks in France make this an obligation for the mortgage acceptance. It is in the client’s interest that such cover is requested. GE Money Bank requires all customers to take out life insurance to cover 100% of the amount borrowed and for the duration of the loan.

GE Money Bank has a preferred relationship with Genworth assurances (1) specialized in Life insurance to cover you and your family with life insurance and complementary insurance plans (such as comprehensive household insurance). (1) Genworth Assurances commercial name of FACL France (RCS Nanterre 479 311 979) - Tour Franklin - TSA 73100 - 92919 Paris La Défense cedex - French branch of Financial Assurance Company Limited (FACL) life insurance company registered in United Kingdom.