Products > A.P & W | A.K & J French Financiers

By: French Mortgages  05/12/2011
Keywords: Insurance, Mortgage, financing

Products and Services

A.P & W | A.K & J French Financiers offers you a wide range of products and services

We offer you a wide range of products and services specially designed to meet your banking needs. For a free financial consultation, please give us a call or use the contact page on this website. From international mortgages, deposit services to international personal banking, our expert team is on hand to help you make the most of your money.

French Mortgages


This depends upon your needs and requirements as all French Mortgage Lenders have different criteria's and facilities. We deal with all the major French Banks who can offer fixed or variable interest rates and Interest only. Including some International banks - they do not offer any fixed loans

Always remember, you can always reduce or pay off your French Mortgage, but you may not be able to arrange a French Re-mortgage at a later date, as French Finance laws are totally different to Ireland and UK.


  • French Mortgages up to 80 years of age
  • French Mortgages up to 30 years
  • French Mortgages up to 85% LTV plus immobilier "Estate Agents" Fees
  • Interest Only French Mortgages up to 30 years
  • Capital & Repayment French Mortgages up to 30 years
  • Equity Release Re Mortgages up to 75% LTV
  • Leaseback Mortgage


Once a French lender has declined a mortgage application it is placed on their register, which means that you will not be able to go through that lender again. It is our job to ensure that your mortgage is processed correctly as we are not paid until you complete on your mortgage.


Already a homeowner in France. French homeowners your circumstances have changed and you've decided it's time to expand or improve your home environment, but this almost certainly means reviewing your financial situation.

An Equity Release Mortgages mean that you can release up to 70% of our valuation of your property for those home improvements. Renovation works can be financed up to 85% on presentation of quotes and estimates.

Granny-flats, swimming pools or loft conversions. If you're already a homeowner in France, an Equity Release Mortgage, representing up to 70% of our estimated value of your property, can be the means of fulfilling the dream of a lifetime or simply giving yourself the financial possibility to bring a personal project to fruition.


A fixed rate mortgage is a classic solution for the purchase of a main or second home, property to let and also for the refinancing of new or existing property including new buildings; renovation works on either your main or second home. It particularly appeals to those seeking simplicity as the interest rate is fixed for the duration of the loan.

However, you need to be aware that compared to a variable rate, in the case of interest rates falling, you won't have the possibility of saving money and you would have to pay penalties in the case of early repayment.



We can arrange all types of French Insurance policies.

Active in both Commercial & Retail Sectors of the Insurance market place, increasingly aiding English speaking clients to identify, understand & subsequently arrange their insurance requirements in France.

A.P & W French Financiers and A K & J French Finance Ltd through it's French & English speaking staff can help you to fully understand the market & arrange the appropriate insurance in the following sectors.


International Mortgages

Whether you have found the villa of your dreams or are looking to invest in overseas properties we can offer you a full range of mortgages that will suit your needs.

This product is primarily aimed at investors globally purchasing residential properties abroad for investment, buy to let and holiday home purposes in 11 jurisdictions..

Our International Mortgage Service is designed to take the worry and hassle out of the process.

Our main service is to offer you:

  • Multi-jurisdictional coverage for residential property in Great Britain, Spain*, France*, Portugal*, New Zealand, Hong Kong, Singapore, Dubai and selected locations in Australia, Canada & USA; with Competitive interest rates.
  • Choice in major currencies and Free Decision in Principle with the option with no penalty for buy-to-let properties.

A Maximum repayment term of up to 30 years up until 70 years of age (or retirement whichever is the earlier).

* Not available to corporate and trust structures except for borrowers resident in France, Spain & Portugal who are using offshore companies to buy properties overseas. Also not available to those cases where the borrower(s) of the loan and the owner(s) of the property are not the same person(s). Foreign borrowers are required to obtain a Non-Resident Buyers' Identification Number (NIE) before purchasing a Spanish property and are advised to seek their own legal advice with regard to the application for a NIE.

Higher Finance

For Mortgages over 1 million Euros

For the client who needs higher levels of financing whether their requirements are to purchase, re-finance or raise equity we have the contacts, experience and flexible products to suit their needs.

Each application is assessed on a case by case basis with consideration given to their current level of assets/resources to quickly provide suitable options and solutions at this level of financing.

Types of Loans

Re-mortgage/Equity Release

Looking into a more competitive mortgage deal.

Re-mortgaging is a practical solution for those who are in search of a more competitive or better-suited mortgage deal; individuals wanting to regroup their mortgage with other outstanding loans in order to lower monthly repayments and in both cases take advantage of a top-up loan for personal use if required.

At some point in time you may want to reap the benefits of a more competitive mortgage on your property in France or of an offer better suited to your current situation. You may also want to regroup your mortgage and any outstanding loans and in so doing reduce monthly repayments.

Interest Only Mortgage

  • Suitable for most types of project, Interest Only mortgages are particularly attractive for those whose net worth is substantial, or for clients who are certain of their ability to pay back the capital when required. No savings plan is required for additional collateral as the bank will take out a first charge on the French property.

For the duration of the loan, you will only be required to pay back the interest and the insurance when applicable. The capital will be paid back in one lump sum at the end.

Fixed term Loans

A fixed rate mortgage is a classic solution for the purchase of a main or second home, property to let and also for the refinancing of new or existing property including new building; renovation works on either your main or second home. It particularly appeals to those seeking simplicity as the interest rate is fixed for the duration of the loan.

However, just be aware that compared to a variable rate, in the case of interest rates falling, you won't have the possibility of saving money and you would have to pay penalties in the case of early repayment.

Bank Account

A.P & W French Financiers AND A K & J French Finance Ltd making it Easy

French Bank Accounts

Opening a French Bank Account from your Irish/UK address!

No need to go to the French Bank to complete an application form.

No need to return to France with any documents they require.

You do not need to take out any insurance policies that the French Bank tries to sell you, in order to take out one of there accounts.

No need to return to France to collect your cheque book or credit cards.

We will arrange with the bank the opening of your account.


It normally takes between 3 to 4 weeks once we have the completed application form.

Once you have received your cheque book your credit card will normally take a further 10 days.

If you are repaying a mortgage via your French Bank Account, the French Bank will send books, which are called RIB, which are used as DDM's.

International Personal Banking

We're here to help you make the most of your finances. Whether you're living, working or retiring abroad, we can help you open an International Account that offers access to a comprehensive range of banking services.

  • Accounts in sterling, US dollars and Euros. — And you can get accounts in 2 additional currencies at no extra charge.
  • A Visa debit card in your chosen currency/currencies.
  • Sterling cheque book.
  • 24/7 telephone and Internet banking.
  • Access to money wherever you settle.
  • No subscription fee for the first three months.
  • Simple account opening process – just contact our local representative office.
  • A superb range of value added benefits.
  • Upgrade to a premier service if your balance is over £100,000.

Yacht Leasing

Leasing, also called credit leasing or leasing-to-buy (Leasing with an Option to Purchase), is a financing method which is ideal for financing the purchase of a boat.

Leasing with an option to buy means you don't have to tie up too large a portion of your available assets. What is more, since time spent sailing outside EU territorial waters is taken into account (according to the usage categories within the French leasing system) VAT only applies to part of the leasing payments. By lease financing your boat, you keep your savings available to meet other expenses or to invest.

Leasing options:

You have the possibility of two types of leasing French leasing Delivery in France

VAT rate on the purchase : 19,6 %
VAT rate on leasing payments: Class A,50 % at 19.6 %, 50 % not subject to VAT.

The choice of flag :

You can choose between the following flags: French, Italian, Spanish, English, Monegasque and the new French RIF flag for professional boating. We advise you on the best approach depending on your circumstances. NB: The registration costs and the navigation annual charge remain the responsibility of the lessee. Exemption from the Annual Right of Passport for boats below 500.000€ and for the foreign residents.

The choice of duration :

The durations for financing under leasing-to-buy are generally from a minimum of 4 years to a maximum of 10 years*, according to the financial possibilities and the type of boat (motor or sailing boat).

* Special cases can be considered.

The choice of personal contribution :

Like the period, the contribution varies from a minimum of 30% to a maximum of 40 to 50% of the price of the boat exclusive of tax, according to the type of leasing involved.

The choice of rate :

You can freely choose for it to be either fixed or variable.

The choice of dates for automatic payments :

You can change the date in the month when your payment is taken and can thus adjust the date to match the date when your money comes in.

A financing package :

Thanks to the leasing-to-buy, you have the possibility of financing your boat by including :

  • The sails, the tenders
  • Navigation equipment (radar..)
  • Equipment.

Take an example
You plan to buy an A class boat (a sailing or motor boat) worth 100,000 EUR inclusive of tax. You have two possibilities You decide to buy it for cash, or, better still, so as not to tie up too much of your capital, you decide to finance your purchase through an LOA.

Here are the optimum terms offer to benefit from a favourable French nautical leasing financing :

  1. Initial contribution : 30 to 50% of the price of the boat, comprising the first leasing payment and the guarantee deposit
  2. Period : from 4 to 10 years
  3. End purchase option : 1 to 15% of the price of the boat
  4. Guarantee deposit : 1 to 15% of the price of the boat
  5. Delivery : France Financing plan with a 40% contribution* (A class boat)
Your contribution
1st payment VAT at 19.6 % on 50 % of rentals 30.000 EUR
Guarantee deposit   10.000 EUR
Your financing    
1st payment VAT at 19.6 % on 50 % of rentals 30.000 EUR

47 monthly leasing payments of 1.284,20 EUR **

VAT at 19.6 % on 50 % of rentals

60.357,54 EUR
Buy-back value *** VAT at 19.6 % 10.000 EUR
Total cost of the financing inclusive of tax   100.357,54 EUR

In this example, a Class A registered boat is assumed to spend half its time outside EU territorial waters, this is taken in account in calculating the VAT.

According to your circumstances, you could also go for an Italian LOA which may offer similar or, in some cases, even greater advantages.

* Conditions in force as at 18th of january 2010. Subject to acceptance of your file.
** Not including optional insurances.
*** The buy-back value inclusive of tax will be discounted by the sum of the deposit.


Whether you're buying new premises, or acquiring another company, we can help you find the best way to raise the money you need. Our services range from working capital to larger structured financings and private placements.

The information in this article was current at 02 Dec 2011

Keywords: financing, Insurance, Mortgage