France remains one of the world's most loved property markets — from Paris apartments to Provençal farmhouses. Foreign buyers face no restrictions, financing is available to non-residents, and the notaire system makes title security among the strongest anywhere.
The trade-off is cost: notaire fees on resale homes run 7–8% (about 3% on new builds), and agent commission adds ~3.5%. Mortgage rates, however, are among Europe's lowest at roughly 3.35–3.55% fixed.
Market overview
French mortgages are predominantly long-term fixed rate — a major advantage for budgeting. Banks typically lend up to 80–90% LTV to residents, less to non-residents. Rental income is taxed (~20% for non-residents), and the annual taxe foncière averages ~1.2% of value.
Popular locations:
Mortgage rates in France (June 2026)
| Bank | Rate | Max LTV | Website |
|---|
Calculate your monthly payment →
True cost of buying & owning
Get your exact numbers with the Hidden Buying Costs and Annual Ownership Costs calculators.