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 French Mortgage deals and rates Selection of the best deals negotiated by Sextant Mortgage Advisors: Second Home Mortgages Rate from | Notes | Max Term | Mortgage Type
| LTV | Deferred Payment | Bank Set up Fees | Early Repayment | 2.29% | Variable linked to OI Mortgage in £
| 30 years
| Repayment | Max 70%
| No | 1% of the mortgage amount
| No penalties after 3 years
| 4.15%
| Capped +2 | 20 years
| Repayment | 85% | YES, if Off Plan or New Build
| 1% of the loan amount with a minimum of 700€
| No
| 4.00% | Variable interest rate indexed on Euribor 3 months + margin | 20 years
| Repayment | 85% | YES, if New Build or renovation works | 1% of the amount borrowed with a minimum of 700€ and a maximum of 1,500€ | No penalty as long as the loan remains variable
| | 4.40% | Capped +1%
| 20 years | Capital Repayment | 85% | 24 months | 1% of the loan amount and a maximum of 1,500€
| 3% fixed and capped. No penalty on variable rate |
2.49% | Mortgage in £ | 30 years
| Interest Only |
70% | Yes, for two years
| 1% of the loan amount with a maximum of 1,200€
| No penalties after 3 years | Buy to Let Mortgages
Rate from | Notes | Max Term | Mortgage Type | LTV | Deferred Payment | Bank Set up Fees | Early Repayment | | 3.25% | Variable linked to 3 months Euribor + Margin from 1.70% | 20 years | Repayment | Max 80% | No | 1% of the mortgage amount
| Yes at any time without penalties | 4.40% | Capped +1 | 20 years | Repayment | 85%
| No
| 1% of the loan amount with a minimum of 700€ | No | 4.00% | Variable interest rate indexed on Euribor 3 months + margin | 20 years | Repayment | 85% | YES, if New Build or renovation works | 1% of the amount borrowed with a minimum of 700€ and a maximum of 1,500€ | No penalty as long as the loan remains variable | | 4.00% | Margin 2.20% | 10 years
| Interest Only
| 80% | Yes, for two years
| 1% of the loan amount with a maximum of 1,200€
| No early repayment fee during the interest only period
| French Leaseback
Rate from | Notes | Max Term | Mortgage Type | LTV | Deferred Payment | Bank Set up fees | Early Repayment | 4.45% | Minimum loan amount €100,000 | 2 years + Repayment with a maximum of 7 years
| IO Variable
| 75% | Yes up to 36 months
| 1% of the mortgage amount with the maximum of €1,500 | Yes at any time without penalties | 4.40% | Capped +1 | 20 years | Repayment | 85% | Yes | 1% of the loan amount with a minimum of 700€ | No | | 3.90% | Variable interest rate indexed on Euribor 3 months + margin | 25 years | Repayment | 80% | YES, if New Build or renovation works | 1% of the amount borrowed with a maximum of 950€ | No penalty as long as the loan remains variable | 4.85%+1.75%
| Fixed | 25 years
| Repayment | 80% | 24 months
| 1% of the loan amount and a maximum of 950€
| 3% fixed and capped rate. Variable rate: no penalty after 12 months | French Equity Release Rate from | Notes | Max Term | Mortgage Type | LTV | Deferred Payment | Bank Set up Fees | Early Repayment | 4.90% | Margin 2.95% for mortgages up to 7/14 years | 7/14 years
| Variable IO
| Max 60%
| No
| 0.5% of the amount borrowed with a minimum of €1,500 and a maximum of €5,000 | No penalty as long as the loan remains variable
| 4.65% | Variable
| 20 years | IO | 70% | Yes, if renovation works
| 0.5% of the loan amount with a minimum of €900 | No | 4.30% | Variable interest rate indexed on Euribor 3 months + margin | 20 years | Variable Repayment | 70% | No | 0.5% of the amount borrowed with a minimum of 1,500€ and a maximum of €5,000 | No penalty as long as the loan remains variable | 4.80%
| No evidence of the use of funds needed. fixed
| 20 years
| Repayment | 50% | Not Applicable | 1% of the loan amount and a maximum of €950.
| No penalty on variable rate after 1 year |
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