Finance a property purchase abroad with your property in France
A house in Spain, a flat in Lisbon? You can borrow in France to buy it, using a property you already own there as security. Hyppo, as a broker, seeks the financing for you.
A personal reply from an adviser
- A property in France as security
- An amortising or interest-only loan
- For French tax residents
A house in Spain, a flat in Lisbon, a pied-à-terre in New York? Borrowing against a property outside France is rarely simple.
The solution: borrow in France, secured on a property you already own there. You know in 5 minutes whether your project meets the criteria, and Hyppo compares offers for you among more than 65 partner banks.
Who is it for?
You own property in France and are buying a second home abroad.
You are investing in a rental property outside France.
You are buying a home for a child studying or working abroad.
At present, the conditions published by Hyppo require you to be a French tax resident. The property given as security is located in France: at least €300,000 if residential, unencumbered or with its remaining loan bought out by the new loan.
Examples of projects abroad
A house by the sea
A couple buys a house in Spain or Portugal. Their flat in France secures the loan.
A pied-à-terre in a major city
A flat in London, New York or Dubai, for you or for a child who works there.
Your property in France as security
Primary residence, second home or rental property: it is the property that is valued and taken as security, in France.
What Hyppo does for you
- 01
You know what your property in France can secure: up to 80% of its value, depending on your file.
- 02
The structure that suits you: amortising or interest-only.
- 03
Several offers compared for you, with no investment or account transfer required in return.
- 04
A single point of contact through to signing at the notary's and release of funds.
How it works
You check your eligibility online in 5 minutes.
You gather the documents: title deed of the property in France, income, purchase project abroad.
Your property in France is valued, and you receive the loan offer.
You sign at a notary's in France and receive the funds for your purchase.
Why go through Hyppo to buy abroad?
A guarantee that is simple to enforce
The loan relies on your property in France, governed by French law, rather than on a property abroad.
Several offers compared
Hyppo compares several offers for you, rather than leaving you waiting for just one.
Conditions stated clearly
French tax residence, property in France, justified use of funds: you know from the first conversation whether your file meets the criteria.
A registered broker
Hyppo (REFI Technologies) is registered with ORIAS under number 23005573 as an intermediary in banking operations and payment services.
Frequently asked questions
Another question about your situation? A Hyppo adviser will answer.
Why borrow in France rather than against the property abroad?
To lend, a lender wants a guarantee it knows how to value and enforce. A property outside France falls under the law and courts of the country where it is located. Most French lenders therefore prefer a guarantee in France, such as a property you own there.
Do I need to be a French tax resident?
At present, yes: the conditions published by Hyppo for this solution require you to be a French tax resident. If you already live abroad and want to borrow against a property in France, your situation falls under the wealth loan for non-residents, presented on a dedicated page.
Can the loan cover the whole price of the property abroad?
It depends on the value of your property in France and your income. The loan can reach 80% of the value of the property given as security, depending on your file. On the income side, debt-to-income can go up to 50% when disposable income is high.
Where is the mortgage signed?
In France. A mortgage on a property located in France is created by notarial deed (article 2409 of the French Civil Code), executed by a French notary. The purchase abroad follows the rules of the country where the property is located: get local support.
