Re-Finance the mortgage on your French property(*)

As you already have a mortgage 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 on your property. You will then receive a detailed quote based on the information that you have given.

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. 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 the notary will be happy to act on your behalf by power of attorney.  Everything can be done from abroad. 

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 acceptation of your application you will receive your BNP Paribas International Buyers loan offer of which a copy will have been sent to your notary. By law, you must wait at least 10 days before accepting the mortgage.  However, be careful not to exceed a 30-day deadline after which BNP Paribas International Buyers will not be obliged to maintain the financial conditions of the offer.

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 who will then redeem your existing mortgage. 
French law stipulates that the notary retains the original deeds and you will be given an official copy.