Mortgage brokerage for expatriates and international customers

Why do we need special support for international customers?

Buying property in France as an expatriate or foreign resident can quickly become a real challenge. Between the language barrier with banks, differences in practices compared to your country of origin, the complexity of French administrative procedures and the sometimes stricter conditions applied to non-residents, it's easy to feel lost.

This is where a mortgage broker specializing in international profiles comes in. His role is to help you understand the French banking system and your rights, while saving you precious time through direct access to banks open to foreign customers. You'll also benefit from better financing terms than if you were to negotiate on your own, as well as simplified support from a single point of contact who can work with you in both French and English.

Two packs, your choice

Expatriate Pack

Ideal if you live abroad and want to buy or finance a real estate project in France.

What the pack includes :

  • Personalized study of your situation (income, taxation, country of residence)
  • Build a solid business case to maximize your chances of acceptance by French banks
  • Access to specialized expatriate financing institutions
  • 100% digital remote monitoring, with a single point of contact
  • Put you in touch with trusted professionals (notaries, insurers, real estate agents)
  • Advice on available grants and tax incentives tailored to your profile

 To secure your real estate project in France, even thousands of kilometers away.

International Investor Pack

Perfect if you live outside France and want to develop your real estate assets in France.

What the pack includes :

  • Full financing support (specialized non-resident banks, negotiation of rates and conditions)
  • Tax optimization: identifying the most suitable tax regimes and investment incentives
  • Contacts with reliable partners (notaries, chartered accountants, international tax specialists)
  • Assistance with administrative procedures (banking, insurance, notaries, local taxation)
  • Putting you in touch with craftsmen and managing the work if renovation or refurbishment is required
  • Follow-up until final signature and handover of keys

Packages include

Personalized, human support

Simplified management of procedures

Expert advice tailored to international situations

The guarantee of serene progress despite distance

Mortgage brokerage for expatriates and international customers

Customer examples

James and Emily, British expatriates living in Paris, have approached us to buy a €600,000 apartment.

  • Their bank offered them a conventional loan, but with unattractive conditions and a higher rate because of their income in pounds sterling and the fact that they didn't understand their pay slips.
  • Thanks to our support, we obtained a loan in foreign currency (GBP) from a partner bank, with a rate 0.35% lower than the bank's initial offer.
  • The result: several thousand euros saved over the life of the loan, and a project that's secure against exchange rate risks.

How much does a mortgage broker cost?

In France, brokerage fees average between €2,000 and €3,000.

At Pretto, we've kept it simple: €1,990 fixed for residents. For non-residents and expatriates, our fee is 0.9% of the amount borrowed (minimum €2,490). And best of all, you only pay if you sign your loan.

What types of financing are available for expatriates and internationals?

Conventional mortgage

(primary residence, secondary residence, rental property)
Traditional bank credit, suitable for expatriates living in France or foreigners with a declared stable income (please note that expatriates from outside the EU are required to have a residence permit).

Mortgage loan

Financing backed by a property already owned in France or abroad. This solution is often preferred by international investors.

Currency loan

Borrow directly in the currency of your income (USD, GBP, CHF...) to reduce exchange rate risks.

Bridging loan

To buy a new property before reselling another, even if you're a non-resident.

Which profiles do we support?

Our services are aimed at different types of international customers:

Expatriates working in France

Employees or managers on assignment.

Foreign investors

Wishing to develop a real estate portfolio in France.

International retirees

Living in France and wishing to buy a primary or secondary residence.

English-speaking residents in France

Who prefer to talk to a bilingual advisor for greater clarity and comfort.
Broker for expatriates and international customers

Step-by-step support

Study of your profile and borrowing capacity

(income, currency, tax residence, existing assets).

Defining the financing strategy

Choose between a conventional, mortgage or foreign currency loan, depending on your situation.

Search for and negotiate with suitable banks

We work with institutions accustomed to financing international profiles.

File set-up and follow-up

Preparation of documents, coordination with bank and notary and, if necessary, translation.

Support through to signature

You'll have a single, bilingual point of contact to help you with all the formalities and make your project more secure.

Concrete results - savings and peace of mind

Michael, American investor

Financing a rental apartment in Lyon with a mortgage loan, without having to use up all your savings.

Sophie, Canadian expatriate in Paris

We take care of the administrative formalities and bank monitoring, saving you two months' time.

S family, British pensioners

Financing a second home in Brittany, with a foreign currency loan to avoid the costs associated with exchange rate fluctuations.

Why call on us?

International expertise

We understand the specific constraints of expatriates and non-residents.

Privileged access to suitable banks

Not all banks accept international files, but we know which ones to contact.

Customized, bilingual advice

Clear, accessible support tailored to your needs.

Save time and money

You avoid mistakes and get better financing terms.

Start your real estate project in France with peace of mind

Buying a property in France doesn't have to be a source of stress. With a broker specialized in international customers, you have all the cards in your hand to make your financing a success.

Request your free, no-obligation mortgage simulation for expatriates today.

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