• Skip to primary navigation
  • Skip to main content

OTM

Independant Mortgage Brokers for France and Spain

  • Home
  • Rates
  • Calculator
  • Get Quote
    • French Mortgage Quote
    • FX Currency
    • French Property Insurance
    • Rent to Buy
  • Purchase Process
  • Mortgage Guide
    • French Mortgage versus UK Equity Release
  • About
    • Privacy Policy
    • Terms & conditions
  • Contact

French Mortgage Rates

Home » French Mortgage Rates

French Mortgage Rates October 2021

Years TermInterest RateLTVFixed / VariableTypeMinimum Mortgage €Notes
152.20%75%FixedRepayment150,000Refinance existing mortgage
72.30%75%FixedInterest only300,000 Rate fixed for the term
82.05%85%FixedRepayment150,00096 identical payments
102.05%75%FixedRepayment150,000Subject to valuation
142.30%75%FixedInterest Only300,000Subject to wealth test
152.05%75%FixedRepayment150,000Minimum age 60
202.20%85%FixedRepayment600,000 Rate fixed for the term
202.30%75%FixedInterest only 150,000 Mixed Mortgage
252.30%85%FixedRepayment150,000 Subject to valuation
French Mortgage Rates | Representative examples of current French mortgage rates from our extensive panel French lenders | Olive Tree Mortgages

These are representative examples of current French mortgage rates from our extensive panel French lenders. However, there are too many alternative products available in the French market to list here.

Because of our long term relationship with French banks, we can often achieve better terms than these standard published rates. For your individual no obligation personalised mortgage illustration accessing the best terms we can obtain in the market please complete our online Request Quote form.

How French Mortgage Rates Are Determined In France

There are 5 key determinants of French mortgage rates:

  1. LTV (Loan to Value) you are requesting. The higher the LTV, the higher the mortgage interest rate will be.
  2. Term of the mortgage. The shorter the mortgage the lower the interest rate will be.
  3. Interest Rate Risk inherent in the product. Variable rate products are a lower risk to the bank than fixed rate products and so are normally cheaper.
  4. Repayment Profile. Repayment products are lower risk to the lender and so are always cheaper.
  5. Your Financial Profile. Depending on the strength of your financial position not all products may be available to you.

You should also consider the ancillary costs of a French mortgage including arrangement fees, early redemption penalties, life insurance costs, etc. We always go deeper than just the lender’s published term to get you the optimum solution for now and the long term.

If you would like to check out some scenarios feel free to use our French Mortgage Calculator to help you work out what your repayments might be.

Manage Cookie Consent
We use cookies to optimise our website and our service.
Functional Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.
Manage options Manage services Manage vendors Read more about these purposes
View preferences
{title} {title} {title}