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Brandmark French Mortgage Expert by Carte Financement

Our achievements

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2019
2018
2017
2019

July 2019

Financing of a pied-à-terre for a Franco-American client who shares his time between France and the United States

Our client contacts us with a sale agreement signed more than five weeks ago and a signature date that cannot be pushed back. Despite constraints in the month of May, the formalities for insurance and proving US civil status, and the time difference, Carte Financement was able to finalise the client’s operation on time. Acquisition of a pied-à-terre in the 13th arrondissement of Paris for €950,000, with a loan of €475,000 over 20 years at a rate of 1.5%.

 

June 2019

Financing a rental investment in Nice for a self-employed UK resident

For a 46-year-old British lawyer, we financed the purchase of a beautiful 3-bedroom apartment overlooking the Promenade des Anglais, with a loan of €580,000 (100% of the selling price with agency fees) at a fixed rate of 1.45% over 20 years and insurance delegated at 0.21%. The client also benefited from an exemption from early repayment fees. In exchange, the borrower made an investment of €150,000 pledged over a period of five years.

Financing of an asset won at auction for a non-resident client in the United Kingdom

The challenge was to put the financing in place in a shorter time than normal (less than two months). The loan offer was signed within a month, the client was able to sign on the scheduled day and made an excellent deal. The loan was secured at a rate of 1.40% over 20 years, with a pledge of 10% of the borrowed amount (€115,000, i.e. the entire award for the property won).

 

May 2019

Financing of a rental home for a Franco-American couple residing in Kenya

Last month, we financed a couple who decided to purchase a rental/secondary residence in the Vendée region. Financing was obtained for 80% of the acquisition price (€190K) at a rate of 2% over 20 years. Difficulties of the case: US person with a sensitive country of residence vis-à-vis the compliance departments of banks.

 

April 2019

Buyback for a Hong Kong resident

For this French banker residing in Hong Kong, we financed a buyback equivalent to 50% of the value of a villa in Castellet (Var) to support the judgement of his divorce. We financed €400,000 at a fixed rate of 1.65% over 20 years. In return, the client agreed to place 15% of the financing in a non-blocked savings account.

Financing a rental investment in Saint-Ouen for a couple residing in London

We assisted this 38-year-old couple residing in London, one of whom is employed as a business banker and the other as an entrepreneur in children’s prêt-à-porter clothing, in the acquisition of an off-plan 3-room apartment in Saint-Ouen-sur-Seine (93), by financing €400,000, or 100% of the price of the apartment, at a fixed rate of 1.70% over 20 years. They benefited from insurance delegated at 0.08% on average. In return, the clients agreed to make a pledged investment equal to 25% of the financing.

 

March 2019

Acquisition of a revenue house in Marseille through a SCI with work, for a total of €1.4 million

For our French clients residing in Singapore, we financed 90% of the total cost of this operation with an investment of €200K pledged at a rate of 1.45% over 20 years, with external delegation of insurance. All this was done remotely.

Financing a rental investment in Beausoleil for a US couple

For this couple of emergency doctors in Florida, we took part in the purchase of an off-plan 2-room apartment overlooking Monaco. We financed €375,200, or 80% of the price of the apartment, at a fixed rate of 2.15% over 20 years. For these 53-year old clients, we secured delegated insurance at 0.18%.

Financing a rental investment in Pradet (83) for a US resident

For this IT Engineer and resident of New York, we took part in the acquisition of a 3-room apartment in an off-plan sale. We financed €212,000, or 80% of the price of the apartment, at a fixed rate of 1.55% over 10 years. We provided our 29-year old client with insurance delegated at 0.06%.

 

February 2019

Financing of a main residence for a Finnish UK non-resident

In view of Brexit, we supported a Finnish UK non-resident client in financing her future main residence in Paris, with her employer having decided to open an office in Paris in the next few months and transfer a portion of the London workforce there. We secured for her financing over 20 years at a rate of 1.40%, fixed over the entire duration. The purchase price was over €1.5m.

Financing of two rental projects with works in Cannes for a resident in London

We financed 100% of the purchase price of two apartments in Cannes and related renovation work for an executive working in finance in London and wishing to invest in buy-to-let property. The financing for the two apartments totalled €383,000, was offered at a fixed rate of 1.40% over 20 years, with a repayment grace period of 24 months maximum. The client only met the ancillary costs, and made an investment pledge equivalent to 12% of the loan amount.

2018

December 2018

Financing of a €1.35m château for a couple resident in Dubai

Last month, we obtained financing the purchase of a château for €1.35m in Gers, as a second home for a British couple working in Dubai. 100% of the financing was obtained, i.e. €1.35 million over 20 years at 1.85% excluding insurance, with a lien at 20% of the loan amount.

Obtaining of a mortgage of €117,000 for 90% of the price of the property and works for a French couple resident in Australia

We obtained financing for a couple aged 40, at a rate of 2% over 20 years, without counterparties and remotely, with delegation of insurance at 0.09%. This financing enabled the purchase of an apartment in the 18th district of Paris, initially for rental investment purposes, and subsequently to house their children when they come to pursue their university education in France. The man works for a large French aerospace company, while the woman has had a café bakery for the last two years.

Financing of a second home in Cannes for a couple resident in Dubai

For this couple of doctors employed at hospitals in Dubai, with variable income and assets in the US, we helped purchase an apartment in Cannes worth €900,000, with financing of €700,000 at a fixed rate of 1.55% over 10 years. No investment was required in exchange for the loan.

 

November 2018

Financing of a rental investment in Cannes La Croisette

We financed the acquisition of two adjacent apartments a stone’s throw from the Palais des Festivals in Cannes for a South African investor living and working in London. The financing obtained was €522,000, i.e. 87% of the value of the property, at a fixed rate of 1.50% over 20 years. In exchange, the client pledged an investment of €100,000.

Home equity loan for a French-Spanish couple resident in Germany

We obtained financing for this couple in Munich of €400,000 in cash by taking on a villa in Biot as security. The clients may use this amount as they wish, and in particular to finance the children’s studies, work on the villa and repay consumer loans. The financing was obtained at a fixed rate of 2.70% over 17 years, with insurance delegated at 0.12% for this 45 year-old couple.

Financing of a main residence for a couple of opera singers resident in two different countries

For this couple with one resident in Canada and the other in Australia, we financed a pied-à-terre for an amount of €950,000, which corresponds to 70% of the property price, at a negotiated rate of 1.35% over 20 years.

 

October 2018

Financing of an off-plan second home in Annecy for a self-employed American couple

We obtained financing for a second home in Annecy for a couple resident in California, whose income is generated from both employment and a dental practice run on a self-employed basis. The financing obtained totalled €416,000, i.e. 80% of the purchase price, at a fixed rate of 1.95% over 20 years with deferral of 24 months for construction and delegation of the loan insurance. No commercial counterparty was required.

Refinancing of two Paris apartments for a couple resident in the US

We financed two loans for two apartments in Paris, one in the name of the client, the other a property management company (SCI). The clients, employed by international companies, obtained a rate of 1.55% over 15 years and of 1.45% over 10 years. In exchange, the clients agreed to invest the equivalent of 15% of the amount financed in unlocked investments.

Financing of a pied-à-terre in the 10th district of Paris purchased through a family SCI for a French-British couple based in Qatar

Last month, we obtained 75% of the purchase price over 20 years at a rate of 1.90%, fixed for the whole duration with delegation of insurance. We were in competition with the clients’ bank, which was not able to service the client on schedule during the summer period.

Financing of a second home in Vaucluse for a couple resident in London

We financed the purchase of a house located in a hamlet in Vaucluse in the amount of €665,000, i.e. 70% of the purchase price, at a fixed rate of 1.95% over 20 years, for a couple employed and resident in the UK. No investment was required in exchange for the loan.

 

September 2018

Financing of 100% of the purchase price for a client employed in Switzerland

We obtained a fixed rate of 1.40% over 20 years, repayable without penalties and with an investment pledge of 14% of the borrowed amount. The client raised the loan at a lower cost, and the bank was able to raise funds in order to develop a long-term relationship.

Financing of 80% of the purchase price for a couple resident in South Africa

We obtained a fixed rate of 1.75% over 20 years for this couple living in South Africa, for a rental investment in Bordeaux.

All this was done remotely, and the clients did not have to travel to obtain the loan.

 

July 2018

Financing without capital contribution for a main residence of €2.2m for a couple resident in the UK

This month, we financed a future main residence worth €2.2 million for a couple living in the UK and moving to France. We financed 100% of the purchase price, without capital contribution, and obtained a rate of 1.40% over 25 years.

Financing of 100% of a rental investment in Marseille for a non-resident couple in Singapore

For this couple resident in Singapore, we obtained a borrowing rate of 1.40% over 20 years, with a deferral of 12 months, and delegation of insurance at 0.09%. The clients were able to benefit from these exceptional conditions thanks to an investment pledge, and can conduct the renovations on their property in Marseille without paying monthly instalments on their loan while waiting for the rental contract to be put in place.

 

June 2018

Refinancing of a villa totalling €1,110,000 in Saint Tropez for a couple resident in the US

Last month, we bought back a loan of €1,110,000 for a French couple living in the US, whose income is generated by a fashion design business, over a remaining duration of 14 years, extending it to 20 years at a fixed rate of 2.20%. This is with external insurance. The clients reduced their monthly payments by €2,750 and improved the total cost of the loan by €53,000.

Financing of a main residence in Paris for a British person living in Paris

For this British oil company executive, we financed a main residence in the 16th district of Paris, in the amount of €725,000 at a fixed rate of 0.79% over 10 years.

2017

November 2017

Financing of a mortgage for a British couple resident in the Netherlands

We obtained a mortgage of €96,000 for a British couple aged 58 and 61 resident in the Netherlands and buying a house in Brittany, at a rate of 1.40% and with delegation of insurance at 0.36%.

 

September 2017

Obtaining financing in four weeks at the height of summer, a holiday period for the banks

Financing obtained to buy a rental property in Paris purchased by a Chinese client married to a French man in less than four weeks between submission of the application and getting the offer during the July/August period. Thanks to a comprehensive application and excellent relations with the bank, Carte Financement was able to obtain this financing in record time despite it being summer!

August 2017

Bullet loan of €1 million for a British man wishing to purchase a second home

Bullet loan of €1 million over 14 years at variable rate, without any backing, for a self-employed British client in London. The house worth €1.68 million is located in Alpes-Maritimes.

June 2017

Financing of a second home for a British couple

For this couple around 40 years old living in the UK, we financed 75% of the purchase of a chalet in Haute-Savoie with a loan of €391,000, at a fixed rate of 1.90% over 20 years, and loan insurance of 0.26%.

March 2017

Bullet loan buyback for a British couple

For a couple resident in London, we refinanced a bullet loan of €990,000 over nine years, for a chalet near Annecy, at a rate of 2.50% with delegated insurance. This financing had no backing or investment pledge from the bank, as was the case with the private bank that held the initial loan.

 

February 2017

Loan buyback for an American couple

This couple, with the husband living in the US and the wife in France, extended the duration of their loan by four years, benefiting from a rate of 1.70% over 20 years instead of 3.55%. Our clients gained in terms of both the rate and the extended duration.

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