Why So Many French Mortgage Applications Are Refused, And How We Help You Succeed

COVID-19 UPDATE
New Lockdown declared in France as of Friday 30th October

We are now in a new lockdown period in France.

If this means you can no longer come and visit properties with us in person, you can rest assured that we are continuing to work for you. We are doing the following:

Updating and adding new properties on our website
Exchanging emails and calls with buyers and vendors
Putting together property lists, sending you available information and material on your preferred properties
Accompanying you on live virtual tours
Taking on new sales mandates
Carrying out virtual signing using an e-signing facility for all legal documents.

The buying process will continue for all the ongoing sales as notaires, banks, administrations and France Property Angels continue to work.

With our best wishes to all our clients from the France Property Angels Team

Buying your dream home in France is an incredibly exciting journey, but securing the finance can sometimes be trickier than expected. Did you know that around 40% of French mortgage applications are refused every year? This surprising figure includes both local residents and overseas buyers, highlighting just how selective French banks can be.

Many international buyers assume that a strong financial profile guarantees approval, but French lenders use unique criteria that differ completely from those in the UK, US, or elsewhere.

Because we want your buying journey to be as smooth and stress-free as possible, France Property Angels doesn’t just help you find the perfect property—we also ensure you have the best financial experts in your corner. That is why we partner closely with International Private Finance (IPF).

How Our Partnership with IPF Protects Your Purchase

Navigating French banking administration alone can be overwhelming, but working with France Property Angels and IPF gives you a major advantage:

An Incredible 90%+ Success Rate: While the general refusal rate is high, IPF achieved a success rate of over 90% in 2025 by knowing exactly how to present files to French underwriters.

Deep Insider Knowledge: The IPF team understands the inner workings of French banks inside out. They know exactly where flexibility exists and which specific lenders are best suited to your unique financial profile.

Exclusive Banking Networks: Thanks to long-established relationships with leading banks, they can secure competitive rates and terms that aren't always available to the public.

Ready to Secure Your French Property?

Don't let banking hurdles or paperwork hold back your property plans. Let us help you get everything aligned before you make an offer so you can buy with absolute confidence.

Click the link below to get a personalized mortgage simulation and look into your project with the experts at IPF today: Get Started with International Private Finance

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Why So Many French Mortgage Applications Are Refused, And How We Help You Succeed

How Our Partnership with IPF Protects Your Purchase

Ready to Secure Your French Property?

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