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Lowest rates on the market

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Option 1 - Lowest variable rates with a cap

Option 2 - Lowest fixed rates

Option 3 - Best interest only rates

Option 4 - Interest only for 7 years, followed by repayment over 18 years


Option 1 Lowest variable rates with a cap with a 70% LTV.

  • 1.75% first three months, then variable at 3m euribor + 1.75%, for a 20 year loan.  Interest rate is capped at 2.75% for 7 years.
  • Set up fee 1% capped at €1500 up to 800,000.
  • No early repayment penalty.
  • Life cover needed.

>>>APPLY

Option 2 - Lowest fixed rates for whole life of loan.

  • Up to 70% of price including agent's fee.
  • Fixed rate 10 years at 2.05% or 20 years at 2.4% or 25 years at 2.5%.
  • Early repayment penalty, 6 months interest.
  • Life cover needed.

>>>APPLY

Option 3 Best Interest-only rates - 60% of purchase price interest only for 14 years (includes agents' and excludes notaires' fees).

  • 2.00% first 3 months, then 3m euribor + 2.00%, giving 2.00% variable at current rates.
    OR
    2.55% fixed for 7 years.
  • No early repayment penalty.
  • Life cover required.

>>>APPLY

Option 4 Interest only for 7 years, followed by repayment over 18 years. 75% LTV

  • 2.05% variable, capped at 3.05% for 7 years (20 years total duration)
  • 2.05% variable, capped at 3.55% for 10 years (22 years total duration)
  • During the interest only period, you pay only interest plus life cover
  • No early repayment penalty
  • Setup fee 1% capped at 1,500

>>>APPLY

N.B. - all of the above options can also be used for buy-to-let purchases.

 



*Euribor = Euro Interbank Offered Rate (this is the "base rate" for the Euro); the rate at which euro interbank term deposits within the euro zone are offered by one prime bank to another prime bank.

 

NOTE: Your home is at risk if you do not keep up the repayment on a mortgage loan or other loan secured on it. The sterling equivalent of your liability under a foreign currency mortgage may be increased by exchange rate movements.

French Mortgage is registered with the Financial Conduct Authority in London, firm reference number 741341.

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