Wealth loan for non-residents: financing a property in France from abroad
Expatriate or foreign buyer: a wealth loan is based not just on one property but on your overall assets. What lenders look at, the possible guarantees, and what Hyppo, as a broker, does for you.
A personal reply from an adviser
- A borrowing capacity based on your overall assets, not on a single property
- Tailored guarantees: mortgage, pledge of investments, or both
- Open to non-residents, through Hyppo's partner lenders
Do you live abroad and want to buy, keep or refinance a property in France? A wealth loan is not a conventional mortgage. The lender does not simply finance a share of a property's value: it looks at your entire wealth to set your borrowing capacity, and this is what makes a non-resident application financeable.
Who is it for?
French expatriates who are returning or keeping a foothold in France.
Residents of the European Union and Switzerland buying in France.
Residents outside the European Union: United Kingdom, United States, Middle East, Asia.
The wealth loan is a bespoke financing solution, starting from €1M. It is arranged with Hyppo's partner lenders that have a non-resident desk, who decide based on your country of residence, the origin of your funds and the security provided.
Common situations
A flat in France, a life abroad
You live abroad and are buying or keeping a property in France: the bank looks at your overall assets, not just that property.
Works on a family home
Financing the renovation of a property in France that you use on holiday or let out.
Income in foreign currency
Salary in Swiss francs, dollars or dirhams: the bank looks at your income and the exchange-rate risk, which remains yours.
What Hyppo does for you
- 01
Assessment of your borrowing capacity: assets, income, currency, project.
- 02
Proposal of a structure: amortising or interest-only, guarantees.
- 03
Preparation of the supporting documents on the origin of funds and wealth, before the lender asks for them.
- 04
Presentation of your file to partner lenders, comparison of offers and follow-up through to completion of the deed.
How it works
You describe your project, your country of residence and your assets.
Hyppo puts a figure on your borrowing capacity and tells you which guarantees it relies on.
You gather the documents, translated if needed, and the file is presented.
You receive the offer and sign at the notary's, in person or by power of attorney.
Why go through Hyppo?
Your assets, not a single property
A wealth loan takes into account your investments and your assets abroad, which a standard mortgage does not.
A file prepared remotely
Documents, translations, power of attorney: Hyppo tells you what to gather, then presents the file to the banks.
Lenders used to working with non-residents
Income in foreign currencies, assets outside France: Hyppo presents your file to partner lenders that have a non-resident desk.
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.
What is the difference between a wealth loan and a mortgage?
A mortgage loan starts from a property: the lender finances a share of its value and checks that your income covers the repayments. A wealth loan starts from you: the lender looks at your entire wealth, both property and financial assets, to set your borrowing capacity and build bespoke security. A mortgage may form part of it, but it is not the sole basis.
Can a non-resident get a wealth loan in France?
Yes. Hyppo's partner lenders finance clients who live outside France: French expatriates, residents of the European Union and Switzerland, and residents outside the European Union. Each lender decides based on your country of residence, the origin of your funds and the security you can provide. No lender is obliged to lend.
How much can I borrow?
Your borrowing capacity depends on your income and its currency, your country of residence, your deposit and the security you can provide: the property being purchased, a property you already own in France, or pledged financial assets. Hyppo's assessment quantifies it before you make an offer.
What guarantees does the lender require?
They are decided case by case: a mortgage on a property located in France, a pledge of a securities portfolio or a life insurance policy, or a combination of both. The stronger the guarantees, the higher the loan-to-value can go and the lower the rate.
Do you need to come to France to sign?
Not necessarily. A mortgage requires a notarial deed (article 2409 of the French Civil Code), but since the decree of 20 November 2020, the notary can receive an authentic power of attorney remotely, by video conference and electronic signature. Your representative then signs the deed in France. The notary remains free to accept this procedure.
