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Lowest rates on the market

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Option 1 - Best variable rates

Option 2 - Lowest fixed rates

Option 3 - Lowest capped rates for a repayment loan, up to 25 years

Option 4 - Best interest only rates

Option 5 - Interest only for 7 years, followed by repayment over 18 years


Option 1 Best variable rates - up to 80% LTV.

  • 2.5% first three months, then variable at 3m euribor + 1.9%, for a 20 year loan.
  • Set up fee 1% for the first €150K and then 0.25% on the rest.
  • Early repayment penalty, first five years - 6 months interest.
  • Life cover needed, cost of standard rate 0.252% p.a.

>>>APPLY

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

  • Up to 80% of price including agent.
  • Fixed rate 15 years at 2.5% or 20 years at 2.7% or 25 years at 2.9%.
  • Early repayment penalty, 6 months interest.

>>>APPLY

Option 3 - For repayment loan, lowest capped rates, up to 20 years.

  • 70% of price including agent. 2.5% for 3 months, then a tracker but capped at 3.5% for 7 years.
  • No early repayment penalty.
  • Set up fee 1,500 up to 800,000. Life cover compulsory.

>>>APPLY

Option 4 Best Interest-only rates - 70% of purchase price interest only for 14 years (includes agents' and excludes notaires' fees).

  • 2.75% first 12 months, then 3m euribor + 2.95%, giving 2.75% variable at current rates.
    OR
    3.7% fixed for 14 years.
  • No early repayment penalty.
  • Life cover required.

>>>APPLY

Option 5 Interest only for 7 years, followed by repayment over 18 years.

  • 2.85% variable, capped at 3.85% for 7 years (20 years total duration)
  • 2.95% variable, capped at 4.45% for 10 years (25 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.

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