Personal Finance your way!
Imagine owning a slice of France—whether it’s a cozy chalet in the French Alps, a glamorous villa on the Riviera, or a charming retreat in Languedoc’s sunlit hills. As one of the world’s top destinations, France dazzles with its historic castles, breathtaking landscapes, and a lifestyle steeped in art, culture, and mouthwatering cuisine. A holiday home here isn’t just a smart investment; it’s your ticket to an enviable way of life. At Greenstone, we’re here to turn that dream into reality with tailored mortgage solutions that open doors to France’s magic.
Contact UsNavigating Mortgages as a Non-Resident? We’ve Got You!
Securing a holiday home mortgage in France can feel like a maze for non-resident buyers. That’s where we shine. Our deep connections with French high-street banks, private banks, and international lenders in France, Monaco, Switzerland, and Luxembourg mean we can lock in terms right for you—think loan-to-value (LTV) ratios of up to 85% tailored to your needs.
Browse Homes You Can Secure with Financing
Why Choose Greenstone?
We’re more than mortgage brokers—we’re your partners in making France yours. Here’s how we stand out:
Finance Fixers
From consultation to closing, we craft mortgage solutions for holiday homes, primary residences, or investments and go the extra mile to find a bank and structure that will work for you.
Seasoned, tried and tested Network
Our ties to lenders and professionals (legal experts, property managers, FX dealers) ensure seamless deals.
Time & Money Savers
We navigate French bureaucracy, dodge pitfalls, and secure the best rates so you don’t have to sweat the details.
Currency Smarts
Our partnered FX dealers can lock in favourable rates for up to 24 months, shielding you from euro-dollar swings.
Special Support for US Citizens
For American buyers, we know the hurdles—foreign ownership rules, currency risks, and piles of paperwork. Our bilingual team simplifies it all.
Custom Mortgages
Whether it’s a Riviera retreat or an Alpine investment, we tailor solutions to fit.
Clear Guidance
We break down French red tape and guide you every step of the way.
Wide Lender Access
From high-street banks to private institutions, we shop the market for you.
New-Build Mortgages? Easy with Us!
New-builds are a hot ticket, and we’re experts at financing them. Whether it’s a sleek chalet or a Riviera apartment, we guide you through.
Unique Terms
Mortgages designed for construction phases and completion timelines.
Para-Hotelier Focus
Invest in tourism-driven properties with built-in rental potential.
VAT Refund
Recover up to 20% of the purchase price.
Tax-Free Rental Income
Enjoy tax-free earnings for up to 30 years.
Personal Use
Still enjoy your home while meeting short-term letting rules.
No Home-Country Tax
Buy through a French company (we’ll connect you with top accountants to set this up) and keep more in your pocket.
Frequently Asked Questions
Explore answers to the most frequently asked questions about financing personal property in France—from loan eligibility and required guarantees to interest rates, tax implications, and the role of French lenders in non-resident transactions.
What You’ll Need for a French Mortgage. Get these docs ready:
Valid passport and proof of residence.
Bank statements and tax returns (3 months for employees, 3 years for business owners).
Initial purchase agreement (Compromis de Vente/Reservation Contract).
Insurance docs (life, property, health) as required.
Rental or mortgage agreements, plus a completed asset statement.
Ready to Start?
At Greenstone, we’re all about making your French holiday home a reality—without the stress. From securing the perfect mortgage to connecting you with pros for rentals or tax setups, we’ve got your back. Visit our Aftersales: We’ve Got Your Back! page [insert link] to explore our services, or contact us today to chat about your dream property.
Let’s make France your home away from home—reach out now and let the adventure begin!