Can I Get a Mortgage in France in 2025?
If you’ve ever wondered “can I get a mortgage in France?” you’re not alone. Lots of foreign buyers—from Dubai to London to New York—ask this every single day. And here’s the fun part: getting a French mortgage in 2025 is much easier than it was a year ago.
French banks have relaxed their rules, approval rates are up, and even people who were rejected in 2023–2024 are now getting the green light. Yep… the doors are opening again.
Let’s break this down like I’m explaining it to a little kid—simple, friendly, and no scary financial words.
Why Mortgages in France Are Easier in 2025
Banks used to be super strict.
They checked everything twice.
Sometimes even three times.
But in France mortgage 2025, things changed:
banks want more international buyers
income rules have softened
foreign residents can now apply more easily
the property market is stabilising
So when people ask “can I get a mortgage in France?” the answer in 2025 is:
“Yes, you probably can.”
Who Can Apply for Mortgages in France?
banks allow:
- Americans
- British buyers
- UAE residents
- Europeans
- Non-residents
- Investors buying holiday homes
- People buying rental properties (LMNP, Airbnb-friendly zones)
So don’t worry if you’re not living in France yet.
If you’re thinking… “can I get a mortgage in France even if I live abroad?”
Yes — you can.
What French Banks Look At?
Banks want to know three things:
1. Do you earn enough?
They prefer that your debts don’t take more than 33% of your income.
2. Is your job stable?
Salaries, business income, rental income… all count.
3. Is the property good?
Banks love quality homes in:
French Alps
French Riviera
Lake Geneva area
Paris
Major cities with steady rental demand
Buying a strong property means higher approval chances.
Why Foreigners Love Mortgages in France
Because:
* interest rates are lower than many countries
* long terms (up to 25 years)
* fixed interest = predictable payments
* no crazy hidden fees
* French banks finance up to 70–80%
A lot of investors use mortgages in France to boost their returns through:
* Airbnb rentals
* LMNP tax benefits
* student residences
* ski chalets in the French Alps
* second homes near Lake Geneva
Steps to Get a Mortgage in France (Simple, Simple, Simple)
Step 1: Choose Your Property
Vendome Property can help you find:
chalets in the French Alps
villas on the French Riviera
apartments in Paris
homes near Lake Geneva
LMNP rental investments
Step 2: Gather Your Documents
passport
bank statements
proof of income
employment letter
property details
Step 3: Bank Analysis
The bank checks your file.
Step 4: Offer + Approval
If everything looks good, you get a mortgage offer.
Step 5: Notary Signs the Final Deed
You become a French property owner.
FAQs – Mortgages in France
1. Can Americans mortgage a property in France?
Yes. Americans can get mortgages in France with no restrictions.
2. Can UAE residents get approved?
Yes, banks regularly approve buyers from Dubai and Abu Dhabi.
3. Do I need to live in France to apply?
No, non-residents can apply.
4. Is it easier to get a mortgage in France in 2025?
Yes — approval rates have increased due to relaxed lending rules.
5. Does owning a French home help with visas?
It helps support your long-stay visa (VLS-TS) application.
