Looking for a French mortgage? Get a decision in principle for your French property!

Our French Mortgage brokers negotiate the best financial terms for your home loan for the purchase of property in France.

Mortgage for a French Property: study case

Interest only mortgage of 1M euros over a period of 14 years (variable rate) and no side investment required for a British citizen partner in a firm in London. The property value was 1.68M€ and was located in Provence.


different countries financed since our creation in 2009

how to buy a french flat in paris

Reasons to finance your project in France

Contact French Mortgage Expert by Carte Financement, your French mortgage broker, to benefit from the expertise of our international advisors dedicated to international clients who want to invest in France.

Saving you time

Don’t waste your time contacting the wrong people for your French mortgage.

The sales process takes longer for international clients: up to 60 days to obtain a mortgage in France and up to 90 days between the preliminary sales agreement and the final sale. We help you to save time with competitive rate (sometimes as good as for resident client!) and English fluent brokers.

Saving you money

Mortgage rates in France have been rising since the beginning of 2023. However, borrowing in France remains more advantageous than in other countries such as the United States for example.

Our volume of financing files allows us to access the best financial conditions from bankers with whom we negotiate tailor-made financing for our clients.

Financing clients from a large part of the world

US, Dubai, Hong-Kong, Africa, UK, Australia…Mortgage in France is increasingly regulated for international buyers (Fatca, Tracfin,etc.). Delegate us the search for your financing, we will be able to advise you to maximize the chances of success of your investment whatever your project (main or secondary residence, rental investment in town, by the sea or in the mountains, heritage loan, purchase of castle …).

No UPFRONT fees, pre-qualification completely free of charge!



Customer satisfaction 

(certified reviews on Immodvisor)

temoignage non resident
« Great Team ! They negotiated a loan in record time for the purchase of a house in France (I live out of the country) and explained all the different options. I would highly recommend their services ! »
Eric G
« The process was a bit drawn out and demanding for American buyers, however, Carte Financement (Ms. Li) provided excellent guidance and customer service throughout. We are very happy with the end result and highly recommend Carte Financement. »
Emily B
« Just bought a flat in Paris using Carte Financement. Carte Finacement were excellent and professional. Fluent English spoken by their staff. They provided support at each stage of the mortgage application. Despite the application being during the traditionally slow summer July/August period they responded quickly. And most importantly the fixed rate mortgage interest rate was very competitive. »
Andrew W
« I used CF and was very satisfied with the service. I would definitely recommend them or work with them again in the future ! »
Adrien C
« I highly recommend Douglas Martin for anyone wanting to acquire a loan to purchase property in France. He made impossible possible! Despite the fact that my husband and I both speak French, not living in France makes understanding everything, navigating the process difficult. From the beginning, Douglas has been extremely helpful, very responsive, responsible and knowledgeable. We dealt with many professionals in France, and he was the only one that exceeded our expectation and delivered everything promised. He was thorough, detail oriented and explained everything so well. He was fluent in English and French, so communication was easy. He worked through the summer time for us, which may sound nothing unusual, but actually a HUGE deal in France as everyone is on vacation in the summer in France! »
Ann W

Who are we?

FRENCH MORTGAGE EXPERT by Carte Financement is a mortgage broker with a team of bilingual professionals (English, Chinese, Arabic, Portuguese…) focused on helping international clients and French expatriates looking to buy in France. Our focus is to obtain the best rate and to provide the highest service to ensure that the process of taking out a mortgage in France is as hassle free as possible.

  • Residential mortgage: permanent residence, second home, apartments, ski property, castle…
  • Buy to let & leaseback: residential, offices, shops…
  • Alternative financial request such as: remortgage, equity release, post-financing…
  • In most of the countries, banks are given a decision in principle before you start looking for a property. Whereas in France banks will never give you this agreement principle before signing the preliminary sales agreement (in which a resolutive condition can be inserted for the mortgage).
  • French banks are often reluctant to finance non-resident clients because of the specificities of your profile: local contracts written in a foreign language, specific tax system, the fact that you do not domiciled your salary and your savings like a normal French resident would do …