Buying a property in Normandy

brittany property specialists, find your breton homes

properties in brittany, north west france

Buying a house in Normandy?

If it's your first time
...we’ll be gentle with you!

You’ll find we look after you well.

Looking for a house in a different country with very differing customs, language and house purchase 'system' is something you may not want to do without help...And we’ve “been round the block a few times” in terms of identifying the right properties to offer and a time efficient way for you to view and make up your mind about your criteria and how to get the best out of a viewing trip.We are not one of those sites with thousands of properties on offer - because we carry only the desirable, the achieveable and the properties where the most important aspect (one of 'location') is prime... Our role in the 'buying' department is simple; we show you the properties...If you like what you see on screen we organise a viewing trip and bring you up to date on the ins & outs of house buying - French Style.
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The Buying Process - Purchasing of property in France is a governed and regulated process. Once both parties have reached agreement they will sign the Compromis de Vente (initial contract). This should be done with your Notaire (lawyer). The buyer then makes their initial deposit. The balance of fees and purchase price is paid on completion to the Notaire and both parties sign the Acte de Vente (deeds equivalent).

The French Notaire is a civil servant and acts for both seller and buyer. It may be advisable for you to instruct your own Notaire.

Common features of French lending:

All mortgages are full status
Loans are available to the majority of non-residents for purchase
70% maximum loan to value
Terms 5-25 years or age 70
Capital repayment is the predominant lending type
Affordability is based upon your own, not rental income (some lenders may allow a percentage of rental income)
All mortgages should have a suitable life assurance policy assigned to them
3 times your gross annual income is a typical maximum borrowing amount
Interest rates are based upon the European Inter-bank rate.

Taxes and other costs - If the price of the property is not all inclusive...you should allow between 8-15% of the purchase price for costs, fees and taxes.