French mortgage rates 1.8%, good news for your French property plans.

The French mortgage rates have touched their lowest ever, below 2%, ideal for an investment in France. French mortgages have always been a good option for investors as they are locked for long periods up to 25 years.

Since the pound sterling exchange rate has declined over the last 2 years the French mortgage interest rates have declined also. The interest you would have paid on a French mortgage has therefore declined by over 40% for a 20 year period.

This would mean today’s loss on the exchange rate has been offset by the interest rate decline.

Best rates at the moment can be obtained for a 80% LTV of 1.8% over 20 years, and this rate is fixed for that whole period. This can be obtained for properties all over France.

If you have savings already locked up given yield of over 2% then it’s worth leaving them untouched and obtaining a mortgage instead. You would also be protected by the current trampoline exchange rates we are experiencing presently.

Cle France Mortgage Options...

Looking for more spending power? 'The Banks' will only try and sell you their own tired products!

For the vast majority of people looking for property in France, and especially non-resident buyers, it is much quicker and much more effective to use the services of a experienced and qualified Independent Mortgage Broker.

An Independent Mortgage Broker will look at your specific circumstances then look through a selection of lenders to find you the best possible Mortgage product for your specific requirements, it is so obvious when you think about it!

We have 2 clear options for you

Option 1 would be a French Bank Mortgage or option 2 is UK Bank Mortgage.

It does not matter if you have not found your perfect French House yet, you can still start planning for when you do buy into your French property dream so in no particular order choose from our 2 options, just think about the one that best suits your circumstances and you can discuss your plans on a 'no obligation' basis, International, UK based or the leading French mortgage arranger.

Both Cle France Partners will be willing to advise you on a no obligation basis: 

OPTION 1 : English Speaking French Mortgage Broker

Aurore Davis is our English speaking French Mortgage broker at 'Vous Financer' the French Mortgage Experts, Aurore is our main English speaking advisor, born in Paris she speaks perfect English as she has lived and worked in London for many years after working in Paris.

Whether you have found the perfect French home for sale or still looking at the options for buying French property, Cle France and Aurore Davis at Vous Financer can help you to find the best mortgage out there.

OPTION 2 : UK borrowing for overseas buying

Tim Durkin of STAG Mortgages and Insurance services may have the borrowing / mortgage solution for you.

We are proud to work in partnership with STAG Mortgage & Insurance Services. Tim Durkin is your specialist contact in this British owned and managed company.

Contact them by clicking the links above - you have nothing to lose!

For everything you need to know about French property visit www.clefrance.co.uk

There’s now only one day to go until the doors open at the "A Place in the Sun Live" Exhibition at the NEC in Birmingham and it is sure to be a jam-packed weekend!

If you don't already know, the show takes place this weekend between the 23rd - 25th September 2016.

They have got lots of exhibitors from around the world, a French Village, country pavilions, a chock-a-block seminar schedule and the stars of the TV show will be passing on top tips and advice on buying property overseas.

It’s going to be a great weekend so don’t miss it.

What is going on at the Exhibition?

Property agents covering a wide range of countries

Expert currency, tax and legal advice

Free seminars and presentations from industry experts

A chance to hear from and meet the TV stars Amanda, Jasmine, Jonnie and Laura

A wide range of Spanish agents

The specialist French Village

The Italian Pavilion

The Portugal Pavilion

The Florida Pavilion

A Place in the Sun Hub

A chance to take a screen test for the next TV series

A free copy of A Place in the Sun magazine

Cafe.

Cle France - The French Property Network is of course on-line 24/7 with 8000+ properties for sale in France and lots of information about the Buying Process and more.

Contact us to help find the perfect property for you and feel free to take a look around the website at our fantastic properties.

MAKE SURE you are on our Mailing List to get regular updates on the French Property Market.

A Place in the Sun Live takes place at NEC Birmingham between the 23rd - 25th September 2016.

Blog submitted by: Alex at The French Property Network - Cle France.

The recent Brexit vote in the UK has left many people wondering about the future of the EU. One aspect in particular has been questioned: the role of l’anglais (English) now that the UK is no longer a member, and the role of the other langues de travail (working languages), French and German.

The role of French in the EU has greatly diminished since its creation. Les Français (the French) were not always pleased with this and until recently were sometimes very vocal about the issue. L’ex-président français (the former French president), Jacques Chirac, famously left une reunion (a meeting) à Bruxelles when the French businessman, Ernest-Antoine Seillière, said:

"I will express myself in English because it is the language of business"

Jacques Chirac was not impressed.

Any linguistic tension has mostly died down in the past decade, although les Français are still known to make mistakes. It has become almost universally accepted that l’anglais is the main langue de travail.

Cependant, tout a changé !

However, is everything about to change?

Is The Future Of The EU French?

According to EU law, members are allowed one official language, and seulement le Royaume-Uni (only the United Kingdom) chose l’anglais as its official language in the EU.

Mais il y a d’autres pays anglophones dans l’Union européenne ?

But there are other English speaking countries in the European Union?

Tous les autres pays anglophones (all the other English speaking countries) chose a different language as their official language dans l’UE.

L’Irlande (Ireland) chose le gaélique irlandais (Irish Gaelic)

Malte (Malta) chose le maltais (Maltese)

Le Chypre (Cyprus) chose le grec (Greek)

Having one of those countries change their language or adding l’anglais as a separate official language would be very hard to do.

Changing a language would require a unanimous vote, and it’s always difficult to get tous les pays (all the countries) to agree on something.

Allowing un pays (a country) to have two official languages or allowing a non-member language into the EU would open up the question for other languages used throughout the continent like le catalan, le corse, le russe, etc (Catalan, Corsican, Russian, etc).

The other issue is that en pratique (in practice), l’anglais is the most commonly used language across Europe. It is also the most commonly used langue de travail in l’Union européenne (with the notable exceptions of le parlement européen à Strasbourg and la Cour de justice européenne).

L’anglais is also spoken as a second language by environ (about) around 38% of Europeans. However, le français is spoken natively by environ 80 millions de personnes en Europe and l’allemand (German) by environ 100 millions de personnes en Europe.

Cela dit (that said), it looks like l’anglais will continue to be used as la langue véhiculaire (the lingua franca) of Europe and l’Union européenne, but the recent vote au Royaume-uni raises questions about the legality of its continued use.

En tout cas (in any case), the role of le français dans l’Union européenne will likely be discussed while these changes take place.

Blog submitted by: Alex at The French Property Network - Cle France.

This blog was originally posted on The French Language Blog pages.

Are you about to relocate for a major lifestyle and career change?

Pi Productions, the creators of Grand Designs and the reinvented MasterChef, are looking for couples and families planning to quit the rat race for a better life.

They are making a brand new documentary series for Channel 5 that follows people as they relocate to start a new life and a new business. This is an aspirational show, propelling people to follow their dreams.

Whether it’s moving to the countryside to run a farm, setting up a surf school by the sea or opening a BnB in a bustling new town, a Guest Gite business or vineyards we want to hear your story.

NEW PRIME-TIME CHANNEL 5 TV DOCUMENTARY IS LOOKING FOR PEOPLE ABOUT TO CHANGE THEIR LIVES

We are looking for families or couples who are planning to ditch the 9 to 5 to pursue a career in something they are passionate about. We want to showcase the amazing lifestyle business opportunities out there and show what it takes to make a new business a success. 

Interested parties can email : This email address is being protected from spambots. You need JavaScript enabled to view it. or give us a call on 0203 761 4522 or 0203 761 4569.

There is no pressure to take part at the initial enquiry stage.

Blog submitted by: Laura Coquereau at Pi Productions working with The French Property Network - Cle France.

Sterling surges to multi-month highs as "Remain" camp leads in 'Brexit' poll.

The pound has posted significant gains against a basket of currencies after the publication of an opinion poll by IPSOS Mori showed an 18% lead for the "Remain" camp.

With 55% likely to vote to stay in the EU compared to the 37% opting to leave, the pound clawed back recent losses, hitting the key psychological level of 1.3000 interbank (IB) versus the Euro – representing almost a 10 week high versus the single currency. 

We have also seen significant changes in the following currency pairs with the pound breaking through key levels.

The sensitivity that the pound currently has to the polls highlights the difficulty that investors face when trying to second guess the movement in exchange rates.

As we draw nearer to the Referendum we are likely to see increased volatility in all sterling crosses, so in order to stay ahead of the game, it is important that you speak to your dealer who will explain the options available to you.

Do you want more information ?

So if you need to buy or sell currency and would like to be kept up to date with all the latest data releases and exchange rate movements then feel free to contact myself Ben Amrany.

If you are buying or selling a house in France we will make sure your monies are in the right place at the right time, we work hand in hand with you, the notaire and Cle France.

For more information on the currency service I can provide please feel free to contact myself...

Ben Amrany from FC Exchange follow this link or phone and ask for myself and quote "Cle France" on 020 7989 0000.

You may contact me directly using this form (click here) with your requirement and I will explain the options that are available to you in getting the best exchange rate.

Blog submitted by: Ben Amrany for The French Property Network - Cle France.

For everything you need to know about French property visit www.clefrance.co.uk