FAQs

• What taxes do you need to pay when buying a home in France?

  You’ll pay several taxes, depending on the property type and value. These can include:

  • Registration tax (around 5–6%)
  • Notary fees (about 2–8%)
  • Land registry tax
  • VAT on new builds (typically 20%, but reduced rates may apply)

  There are also annual property taxes like taxe foncière and taxe d’habitation (still applied to second homes).

• Can I buy a house in France as a non-resident?

  Yes, UK citizens can buy property in France, but be aware you may face stricter mortgage terms as a non-resident.

• How long can you stay in France if you buy a property there?

  Owning property doesn’t give you residency. As a UK citizen, you can stay for up to 90 days in any 180-day period without a visa.

• Can I get residency in France if I own a property?

  Not automatically. You’ll need to apply for a long-stay visa, such as an elective residency visa. You may also need to ensure you meet other criteria, including proof of stable income, evidence of private health insurance, and a clean criminal record.

• Can you get a mortgage in France if you live in the UK?

  Yes, but the requirements are tighter. Lenders often ask for a larger deposit (20–40%), proof of income, and a good credit history. You may also face higher interest rates than French residents.

• How much deposit do I need to buy a house in France?

  Most non-residents need to put down 20–30%. You’ll also need to cover taxes, legal fees, and other purchase costs.

• Do you need a solicitor to buy a home in France?

  No, the notary handles most legal work. You can hire a solicitor if you want independent advice, especially if the purchase is complex.

• What are the problems buying property in France?

  Common issues include:

  • High upfront costs and taxes
  • Strict legal processes
  • Delays with paperwork or permissions

  Using a local notary and doing your research on what’s required can help avoid problems.

• Do I need a French bank account to buy a house in France?

  No, but it can make things easier. A local account helps with paying taxes, utility bills, and mortgage instalments, so most buyers choose to open one.