Example Leaseback Mortgages

Through our specialist French mortgage broker we are able to offer you a number of different mortgage products in France.

The examples below are non-exhaustive as our broker is able to offer tailored mortgages to individual clients.

Please complete a decision in principle form to obtain mortgage quotes suited to your situation.

Example Leaseback Mortgages

105% Including VAT repayment mortgage:

This mortgage will include the mortgage registration tax, notary fees and furniture and also
Lender fees can be included.
Variable and fixed rate available.
VAT needs to be re-injected into the mortgage with the 5% paid by the client to reserve the
property

100% Excluding VAT (excluding furniture and fees):

This product is good when the VAT is advanced by the developer
Variable and fixed rate available

Double Capped mortgage (capped on duration and monthly repayment)

Minimum 20% deposit (80% LTV)
When client receives the VAT back they do not have to reinject it into the mortgage.

Up to 80% mortgage

Variable, fixed, capped rates available

Interest Only: 70% maximum LTV for leaseback

No redemption fees after 1 year – No need of savings alongside the mortgage

Interest Only: up to 80% maximum LTV for leaseback

Option available for for both options: VAT paid by the client or paid by the developer.
Different possibilities and conditions (with or without savings)

Interest only - 100% LTV

20% deposit is required by the lender to be out into savings scheme linked to the mortgage.
When VAT is claimed by the client they do not have to reinject this into the mortgage.

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