Being a homeowner means you can finance your new projects, however diverse they may be. UCB lends a helping hand! 

At BNP Paribas International Buyers we can finance renovation works on your French property.
We also offer the Equity release mortgage which means you can release capital tied up in your property in France for a personal project.

Your circumstances have changed and you’ve decided it’s time to expand or improve your home environment, but this almost certainly means reviewing your financial situation. At BNP Paribas International Buyers those home improvements that you’ve been dreaming of can be financed up to 85% on presentation of quotes and estimates.
Granny-flat, swimming pool or loft conversion, with BNP Paribas International Buyers, your project becomes workable!

Your project in 4 easy steps

Step 1 - Contact BNP Paribas International Buyers

Whether you already have a property in the course of redemption or if you intend to finance one totally, you will be able to discuss your needs with one of our bilingual personal mortgage advisers and together develop your financial plan or find out exactly how much you want to raise. To do this, we will arrange to have your property valued as the Equity Release is calculated accordingly. Depending on the result of the valuation and the additional information that you have supplied, we will be able to give you a detailed quote as to how much you can borrow.

Step 2 - Appoint a notary

Appointing a notary is a necessary step in your project. As you are already a homeowner in France, you will certainly be familiar with the role of the notary and his responsibility for the drawing up of deeds of sale. BNP Paribas International Buyers will be happy to provide you with details of English speaking notaries in France and if you cannot be present for the signature BNP Paribas International Buyers will be happy to act on your behalf by power of attorney.

Step 3 - Complete the mortgage application and life insurance forms

Nothing could be simpler. Once these forms have been duly completed, return them to your personal BNP Paribas International Buyers mortgage adviser. At the same time, you will also need to submit a certain number of other documents concerning personal details, income and outstandings. Following acceptance of your application you will receive your BNP Paribas International Buyers loan offer of which a copy will have been sent to your notary.

Step 4 - Completion 

Once you have accepted your mortgage offer, the notary will make a written request to us at BNP Paribas International Buyers to release mortgage funds and in turn we transfer the agreed amount to the notary. 
French law stipulates that the notary retains the original contracts and you will be given an official copy.

Take a look at some of our loan offers

BNP Paribas International Buyers offers the most extensive range of mortgage solutions to English speaking clients wishing to invest in France. Fixed or Variable, Capital Repayment loan or Interest Only…

One-Year Standard Variable Loan

A loan with an interest rate that is set for the first year after which it is reviewed and revised annually. Need a break? Mortgage payment holidays are available at any time after the first year and up to five times during the life of the mortgage. Early repayments are possible as well as the option to switch to a fixed rate mortgage at any time.
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Three Month Standard Variable Loan

The interest rate for this mortgage is set for the first quarter. At the end of the first quarter it is reviewed and revised quarterly from then on. For extra flexibility, the amount of the monthly instalments can, subject to certain conditions, be increased or reduced at your request after the first year of repayment. Early repayments and mortgage payment holidays are possible as well as the option to switch to a fixed rate mortgage at any time.
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Interest Only Loan

A mortgage that requires no savings vehicle as guarantee. This means that you can keep intact your investments in property, stocks and shares without having to sell or cash in. As you will only be paying the interest and the insurance on your loan each month your outgoings will be considerably reduced whilst the capital will be paid off in one lump sum at term.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF YOUR DEBT.
 

BNP Paribas International Buyers is a business line of BNP Paribas Personal Finance.
BNP Paribas Personal Finance - Credit institution – Société Anonyme incorporated under French law with a share capital of 453 225 976 euros - 542 097 902 RCS Paris -
Head office: 1 bd Haussmann, 75009 PARIS Insurance Intermediary (N° ORIAS : 07 023 128) Insurer(s): Cardif Assurances