Join Thierry Jean, International Mortgage Broker, and Alex Gaines, the Super Realtor, for their second episode where they dive deeper into all international mortgage aspects and provide concrete examples of how they assist their clients daily. This episode focuses on technical examples, concrete metrics, and figures to show international buyers how they can make their French property purchase happen.

In this discussion, the hosts analyze one of their best recent deals: advising American clients purchasing a property valued around 3.5 million euros in the Southwest of France. They explore why purchasing cash is often "not the best idea" and how strategic financing can maximize profit. You will learn about the double leverage effect achieved through French financing conditions and collateral held in the client's home country.

Discover the key financial benefits of borrowing in France, including leveraging assets, benefiting from interest rates that are often half of what is found in the US (e.g., around 3.5% in France vs. almost 7% in the US), and the ability to reduce real estate wealth tax exposure. The discussion details how clients can achieve 100% financing by transferring 40% collateral—which remains invested and managed under SEC regulation—allowing them to borrow against it at very low levels (around 1% historically for this specific deal).

The hosts also contrast French and US mortgages, noting the stricter criteria in France regarding age and income for classical mortgages and highlighting the greater flexibility provided by private banks. T Jean explains that he works primarily with international clients for residential properties, with a "sweet spot" starting from a 1 million euro purchase.

If you are interested in maximizing your international property investment through sophisticated financing structures that combine the security of French banking conditions with US market advantages, let us know! We can explore the specific alternative financing solutions available, such as the lumbar loan, which may be necessary for older clients.

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