10.15% effective. Stated, not surprised.
A euro-denominated mortgage for non-resident buyers in France, originated by Nova France SAS. One rate, one currency, no cross-border arbitrage built into the small print.
Process
- 01Eligibility screen
A short form covers residency, citizenship, employment and target property. Reviewed within two business days.
- 02KYC & source-of-funds
Standard French AML-CFT: ID, proof of address in country of residence, 6-month bank statements, employment or business proof. Diaspora-aware — we read non-French documents.
- 03Property & valuation
Independent appraisal by a French expert. We finance up to 70% of the lower of price or appraised value.
- 04Term sheet
Stated 10.15% effective rate, amortisation schedule, optional in-fine portion, prepayment terms. No teaser, no reset.
- 05Notarial closing
Notarised in France with a first-rank mortgage. Funds disbursed in EUR to the seller's notary account.
Corridors covered
We currently underwrite borrowers tax-resident in the following jurisdictions, buying property in France. Additional corridors are opened as compliance coverage is extended.
- UK → FR
- US → FR
- AE → FR
- CH → FR
- SG → FR
- CA → FR