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The BBC is not responsible for the content of external sites. There are several ways to organise a mortgage — either in at home or in France. Re-mortgage If you want to fund the cost in your home country and already have a mortgage or equity in a property, the usual method is to remortgage with your existing lender or consult a lender specialised in overseas properties. French bank Mortgage This can be a more complicated option requiring a thorough understanding of the types of French mortgage available and how to correctly complete the paperwork. You may benefit from using a mortgage broker who specialises in French Mortgage.
They will know what offers are current, help with paperwork and make sure that you have a full understanding of the terms of the mortgage. Currency exchange For currency transfers it may be more economical to go through a specialist agency rather than via your bank. You may find you get a better rate, lower transaction fees and access to specialist knowledge of the markets, all of which can help you save money. Ask your agent for a recommendation. Via a British bank Several British high street banks have with offices in France eg HSBC, Barclays. You can usually open an account from the UK but it’s worth making sure that there is a local French branch that’s convenient for you. They provide English speaking support, online services and, via Credit Agricole, have branches right across France and in most towns.