At The French Nest, we know how to speak the banks’ language — and how to translate yours.

Getting a mortgage in France for non-residents can be complex. At The French Nest, we simplify every step to help you secure financing with the best French banks.

At The French Nest, we know how to speak the banks’ language — and how to translate yours.

Getting a mortgage in France for non-residents can be complex. At The French Nest, we simplify every step to help you secure financing with the best French banks.

Get in touch with our international mortgage specialists to discuss about your project.

Financing in France, Simplified for Non-Residents

French banks often have strict lending criteria for clients living abroad.
Income earned overseas, currency exchange, or foreign tax residency can make applications challenging — even for financially strong buyers.

The French Nest was created to bridge that gap.

We specialise in non-resident mortgages in France, providing access to the right banks, clear explanations, and end-to-end support in English or French.

The Challenges of Getting a French Mortgage from Abroad

Even financially solid international buyers often face unexpected obstacles when dealing with French lenders. The most frequent issues include:

Limited access to lending institutions — Only a handful of French banks actively lend to non-residents, and each applies its own internal criteria.

Strict income and documentation requirements — Lenders typically prefer stable, long-term employment and detailed supporting documents such as tax returns, pay slips, and bank statements

Regulatory restrictions — U.S. citizens and clients in certain jurisdictions are impacted by FATCA or CRS regulations, which limit the number of eligible French banks.

Collateral requirements — banks demand additional guarantees, such as pledged savings, life insurance policies, or assets held in France to secure the loan.

Longer approval timelines — Compliance and risk reviews for international profiles can add several weeks to the standard process.

Who we help?

We assist clients from all over the world who want to invest or buy property in France, including:

Non-residents living in EU, the UK, North America, the Middle East, or West Africa

Dual tax residents managing income or assets across multiple countries

Global professionals with foreign income or multi-currency earnings

Investors purchasing second homes or rental properties in France

U.S. citizens affected by FATCA restrictions

Wherever you are based, The French Nest helps you speak the banks’ language — and secure your French mortgage with clarity and confidence.

How we help?

Understanding your story and your project

We begin with a deep dive into your background, objectives, and lifestyle priorities — not just your balance sheet. Together, we define a realistic borrowing strategy aligned with your goals and the nuances of the French banking system.

Pre-qualification before you commit

We identify the banks most likely to finance your project, based on your country of residence, income type, and currency. This step gives you clarity and confidence before signing any purchase agreement.

Structuring a French-ready application

We transform your international documentation into a format French lenders trust and understand — clear, compliant, and beautifully presented. Our team anticipates the questions, prepares explanations, and presents your case in the best possible light.

Negotiation and selection

We negotiate with trusted banking partners to secure the best balance between rate, flexibility, and service quality. You receive transparent comparisons and clear recommendations — not endless spreadsheets.

Coordination to completion

From first approval to notary signature, we manage the process with precision and calm. We liaise with your bank, notary, and agent to ensure a smooth closing and timely transfer of funds.

Why Work With The French Nest

Access • Precision • Peace of mind

Most French banks are cautious about lending to non-residents.
Our advantage lies in experience and relationships — built through years of negotiation and successful international cases.

What makes us different

Direct contact with lending teams who handle cross-border clients
Expertise with complex incomes and multiple currencies
Seamless bilingual communication
Transparent process from first call to final signature

Beyond the loan

Beyond property financing, The French Nest offers a full range of complementary services to make every step of your purchase in France seamless — from notary coordination and currency exchange to insurance, renovation, and administrative support.