Mortgage for French Nationals Living Abroad
Mortgage for Non-Residents

French expat?
Buy in France, we’ll take care of the mortgage.

French expat?
Buy in France, we’ll take care of the mortgage.

French expat?
Buy in France, we’ll take care of the mortgage.

Most French banks decline non-residents. Our banking partners provide Mortgage financing regardless of your country of residence. 130+ applications financed.

Most French banks decline non-residents. Our banking partners provide Mortgage financing regardless of your country of residence. 130+ applications financed.

Most French banks decline non-residents. Our banking partners provide Mortgage financing regardless of your country of residence. 130+ applications financed.

OUR BANKING PARTNERS
OUR BANKING PARTNERS
OUR BANKING PARTNERS

Romain G.

LIVES IN

New York

Property

Paris

CIC France

Mortgage approved

€571,000

Romain G.

LIVES IN

New York

Property

Paris

CIC France

Mortgage approved

€571,000

Romain G.

LIVES IN

New York

Property

Paris

CIC France

Mortgage approved

€571,000

130+ expatriates
financed worldwide

130+ expatriates
financed worldwide

Exclusive specialists in non-resident profiles

Exclusive specialists in non-resident profiles

Exclusive specialists in non-resident profiles

15+

Banking Partners

15+

Banking Partners

97%

Success Rate

97%

Success Rate

97%

Success Rate

€45 million

Successfully Funded

€45 million

Successfully Funded

€45 million

Successfully Funded

How it works

How it works

How it works

From the review of your application to the release

of funds at the notary’s office.

From the review of your application to the release

of funds at the notary’s office.

YOUR DEDICATED TEAM

Louis-Felix Salley

Paris, France

United Kingdom, Africa, Asia

Albert d’Anthoüard

Paris, France

Europe, Middle East, Oceania

Hervé Seux

Boston, United States

North America, LATAM

Regulated mortgage broker in France

Registered with ORIAS No. 25008593

Official register of financial intermediaries

24 to 48 hours
24 to 48 hours

Assessment of your eligibility

Assessment of your eligibility

Overseas income, local or expatriate contract, and the tax framework of your country of residence: we assess everything and tell you exactly how much you can borrow with a Mortgage.

Overseas income, local or expatriate contract, and the tax framework of your country of residence: we assess everything and tell you exactly how much you can borrow with a Mortgage.

Overseas income, local employment contract, taxation: we assess everything and tell you how much Mortgage financing you can obtain.

3 to 6 weeks
3 to 6 weeks

Preparation and submission to banks

Preparation and submission to banks

Your mortgage application file is structured and submitted to partner banks that finance non-residents. We negotiate the interest rate and terms.

Your mortgage application file is structured and submitted to partner banks that finance non-residents. We negotiate the interest rate and terms.

Your mortgage application file is structured and submitted to our partner banks. We negotiate the mortgage rate and terms.

3 to 5 weeks
3 to 5 weeks

Tracking until the release of funds

Tracking until the release of funds

Coordination with the bank and the notary through to the final transfer. You do not need to be in France.

Coordination with the bank and the notary through to the final transfer. You do not need to be in France.

Coordination with the bank and notary through to the final transfer. No need to be in France.

YOUR DEDICATED TEAM

Louis-Felix Salley

Paris, France

United Kingdom, Africa, Asia

Hervé Seux

Paris, France

Europe, Middle East, Oceania

Hervé Seux

Boston, United States

North America, LATAM

Regulated mortgage broker in France

Registered with ORIAS No. 25008593

Official register of financial intermediaries

YOUR DEDICATED TEAM

Louis-Felix Salley

Paris, France

United Kingdom, Africa, Asia

Albert d’Anthoüard

Paris, France

Europe, Middle East, Oceania

Hervé Seux

Boston, United States

North America, LATAM

Regulated mortgage broker in France

Registered with ORIAS No. 25008593

Official register of financial intermediaries

They were in
your situation

They were in
your situation

They were in
your situation

Google Reviews

5.0

Based on 10 reviews

Julia NOYELLE

Salarié en contrat local aux USA

Merci Louis-Félix pour ton aide. Tu as rendu notre achat de maison plus facile - tu nous as trouvé un prêt en un temps record, avec un très bon taux, malgré une situation atypique. Tu étais toujours à l’écoute et transparent. Je recommande +++

620 000€
Nice

Mezzi Cedric

Je tiens à remercier chaleureusement Louis-Félix de la société Invexa pour son accompagnement exceptionnel dans la recherche de mon crédit immobilier en tant que non-résident. Grâce à son expertise, sa proactivité et sa parfaite connaissance des démarches spécifiques, j’ai pu obtenir un financement parfaitement adapté pour l’acquisition de mon appartement à Paris. Malgré la période estivale, le suivi de bout en bout a été irréprochable, avec des explications claires et un service d’un grand professionnalisme. Je recommande vivement Invexa à toute personne, résidente ou non, souhaitant concrétiser un projet immobilier en toute sérénité !

David Loury

Salariée en contrat local aux USA

I’ve been taken care of by Louis-Felix. Fast, accurate, easy going, couldn’t have asked for better service. I contacted him on the late stages of the work of another broker, but he won it clearly, by efficiency and getting me the best deal the first time. Highly recommend!

293 000€
Annecy

David Perisset

Expatrié aux États-Unis

We had an amazing experience with Invexa — and especially with Hervé and Louis-Félix. I’m a French-American entrepreneur based in the U.S., with uneven income and no assets or revenue in France. So let’s just say… getting financing for a property back home wasn’t exactly straightforward. On top of that, we were on a tight deadline. From day one, they were calm, confident, and totally on top of it. They really understand the challenges of being an expat or entrepreneur with a non-traditional profile. Instead of trying to force a standard solution, they worked closely with partner banks to build a financing structure that actually fit my situation. And they managed to secure great rates, with smart collateral that even makes financial sense long term. If you’re a French entrepreneur living in the U.S., a French expat, or even an American looking to invest in France, the process can feel overwhelming. This is exactly what they specialize in. They have real experience in both banking and entrepreneurship, and having a presence on both sides of the Atlantic makes a huge difference. Beyond the numbers, what really stood out was the relationship. Communication was smooth, clear, and consistent. I always felt supported and never left wondering what was happening. Despite the tight timing, we met all the deadlines and closed on what has been a lifelong dream for our family — a beach house in France for our extended family to enjoy together. We couldn’t be happier. Huge thanks to the whole team. I’d recommend them without hesitation.

Paris

Pascal TRAN

Excellent accompagnement. Louis est un excellent professionnel et a su trouver très rapidement le financement qui correspondait à notre besoin (expatriés et via une société) à un prix compétitif. Très bonne expérience, j’espère pouvoir re-travailler avec lui sur d’autres projets.

M Honore

We recently worked with Invexa, specifically with Louis and Hervé, to secure financing for a real estate property from Canada, and the experience was exceptional from start to finish. They were incredibly thorough, taking the time to understand our situation and assemble a complete and compelling financing package. What stood out the most was how resourceful and responsive they were throughout the entire process. No matter the question or hurdle, they were quick to provide clear guidance and practical solutions. Their support continued right through the finalization with the bank, ensuring everything moved forward smoothly. Overall, the service was outstanding, and we highly recommend Inxexa, and especially Louis and Hervé, to anyone looking for reliable and professional mortgage support.

THIERRY DUFLOO

Expatrié aux États-Unis

Un seul mot: parfait…au delà même de nos attentes. Comme nombre de français de l’étranger, nous étions face à un mur pour financer un projet immobilier. Nous ne savons pas si c’est notre persévérance, ou la chance, ou les 2, mais dès notre contact avec Herve et Louis Felix, tout s est merveilleusement bien déroulé. Les obstacles se sont effacés les uns après les autres. Analyse du dossier, introduction auprès d une banque performante, conseils pertinents de Louis Felix, puis ceux du directeur de la banque lui même accompagné de son juriste. Aujourd’hui hui les fonds sont chez le notaire, et nous signons dans 6 jours. Notre dossier était pourtant d une complexité a faire fuir. Mais grâce a indexa, Herve, et louis Felix, nous vivons un « happy ending »

Francois Laine

Trouver un financement immobilier en France depuis l'étranger n'est jamais simple, surtout avec un profil atypique. Après plusieurs refus frustrants, notre rencontre avec Louis-Félix Salley et Hervé Seux a tout changé. Chez Invexa, nous n'avons pas seulement trouvé des courtiers, mais de véritables partenaires. Ils ont fait preuve d'une patience remarquable et d'un professionnalisme sans faille, nous guidant à chaque étape avec une clarté rassurante. La rapidité d'exécution et la qualité de leur réseau sont impressionnantes. Grâce à eux, ce qui était une source de stress est devenu une réussite totale. Un service 5 étoiles que je recommande vivement.

Julia NOYELLE

Salarié en contrat local aux USA

Merci Louis-Félix pour ton aide. Tu as rendu notre achat de maison plus facile - tu nous as trouvé un prêt en un temps record, avec un très bon taux, malgré une situation atypique. Tu étais toujours à l’écoute et transparent. Je recommande +++

620 000€
Nice

THIERRY DUFLOO

Expatrié aux États-Unis

Un seul mot: parfait…au delà même de nos attentes. Comme nombre de français de l’étranger, nous étions face à un mur pour financer un projet immobilier. Nous ne savons pas si c’est notre persévérance, ou la chance, ou les 2, mais dès notre contact avec Herve et Louis Felix, tout s est merveilleusement bien déroulé. Les obstacles se sont effacés les uns après les autres. Analyse du dossier, introduction auprès d une banque performante, conseils pertinents de Louis Felix, puis ceux du directeur de la banque lui même accompagné de son juriste. Aujourd’hui hui les fonds sont chez le notaire, et nous signons dans 6 jours. Notre dossier était pourtant d une complexité a faire fuir. Mais grâce a indexa, Herve, et louis Felix, nous vivons un « happy ending »

Pascal TRAN

Excellent accompagnement. Louis est un excellent professionnel et a su trouver très rapidement le financement qui correspondait à notre besoin (expatriés et via une société) à un prix compétitif. Très bonne expérience, j’espère pouvoir re-travailler avec lui sur d’autres projets.

David Loury

Salariée en contrat local aux USA

I’ve been taken care of by Louis-Felix. Fast, accurate, easy going, couldn’t have asked for better service. I contacted him on the late stages of the work of another broker, but he won it clearly, by efficiency and getting me the best deal the first time. Highly recommend!

293 000€
Annecy

David Perisset

Expatrié aux États-Unis

We had an amazing experience with Invexa — and especially with Hervé and Louis-Félix. I’m a French-American entrepreneur based in the U.S., with uneven income and no assets or revenue in France. So let’s just say… getting financing for a property back home wasn’t exactly straightforward. On top of that, we were on a tight deadline. From day one, they were calm, confident, and totally on top of it. They really understand the challenges of being an expat or entrepreneur with a non-traditional profile. Instead of trying to force a standard solution, they worked closely with partner banks to build a financing structure that actually fit my situation. And they managed to secure great rates, with smart collateral that even makes financial sense long term. If you’re a French entrepreneur living in the U.S., a French expat, or even an American looking to invest in France, the process can feel overwhelming. This is exactly what they specialize in. They have real experience in both banking and entrepreneurship, and having a presence on both sides of the Atlantic makes a huge difference. Beyond the numbers, what really stood out was the relationship. Communication was smooth, clear, and consistent. I always felt supported and never left wondering what was happening. Despite the tight timing, we met all the deadlines and closed on what has been a lifelong dream for our family — a beach house in France for our extended family to enjoy together. We couldn’t be happier. Huge thanks to the whole team. I’d recommend them without hesitation.

Paris

Mezzi Cedric

Je tiens à remercier chaleureusement Louis-Félix de la société Invexa pour son accompagnement exceptionnel dans la recherche de mon crédit immobilier en tant que non-résident. Grâce à son expertise, sa proactivité et sa parfaite connaissance des démarches spécifiques, j’ai pu obtenir un financement parfaitement adapté pour l’acquisition de mon appartement à Paris. Malgré la période estivale, le suivi de bout en bout a été irréprochable, avec des explications claires et un service d’un grand professionnalisme. Je recommande vivement Invexa à toute personne, résidente ou non, souhaitant concrétiser un projet immobilier en toute sérénité !

Francois Laine

Trouver un financement immobilier en France depuis l'étranger n'est jamais simple, surtout avec un profil atypique. Après plusieurs refus frustrants, notre rencontre avec Louis-Félix Salley et Hervé Seux a tout changé. Chez Invexa, nous n'avons pas seulement trouvé des courtiers, mais de véritables partenaires. Ils ont fait preuve d'une patience remarquable et d'un professionnalisme sans faille, nous guidant à chaque étape avec une clarté rassurante. La rapidité d'exécution et la qualité de leur réseau sont impressionnantes. Grâce à eux, ce qui était une source de stress est devenu une réussite totale. Un service 5 étoiles que je recommande vivement.

M Honore

We recently worked with Invexa, specifically with Louis and Hervé, to secure financing for a real estate property from Canada, and the experience was exceptional from start to finish. They were incredibly thorough, taking the time to understand our situation and assemble a complete and compelling financing package. What stood out the most was how resourceful and responsive they were throughout the entire process. No matter the question or hurdle, they were quick to provide clear guidance and practical solutions. Their support continued right through the finalization with the bank, ensuring everything moved forward smoothly. Overall, the service was outstanding, and we highly recommend Inxexa, and especially Louis and Hervé, to anyone looking for reliable and professional mortgage support.

Julia NOYELLE

Salarié en contrat local aux USA

Merci Louis-Félix pour ton aide. Tu as rendu notre achat de maison plus facile - tu nous as trouvé un prêt en un temps record, avec un très bon taux, malgré une situation atypique. Tu étais toujours à l’écoute et transparent. Je recommande +++

620 000€
Nice

David Perisset

Expatrié aux États-Unis

We had an amazing experience with Invexa — and especially with Hervé and Louis-Félix. I’m a French-American entrepreneur based in the U.S., with uneven income and no assets or revenue in France. So let’s just say… getting financing for a property back home wasn’t exactly straightforward. On top of that, we were on a tight deadline. From day one, they were calm, confident, and totally on top of it. They really understand the challenges of being an expat or entrepreneur with a non-traditional profile. Instead of trying to force a standard solution, they worked closely with partner banks to build a financing structure that actually fit my situation. And they managed to secure great rates, with smart collateral that even makes financial sense long term. If you’re a French entrepreneur living in the U.S., a French expat, or even an American looking to invest in France, the process can feel overwhelming. This is exactly what they specialize in. They have real experience in both banking and entrepreneurship, and having a presence on both sides of the Atlantic makes a huge difference. Beyond the numbers, what really stood out was the relationship. Communication was smooth, clear, and consistent. I always felt supported and never left wondering what was happening. Despite the tight timing, we met all the deadlines and closed on what has been a lifelong dream for our family — a beach house in France for our extended family to enjoy together. We couldn’t be happier. Huge thanks to the whole team. I’d recommend them without hesitation.

Paris

THIERRY DUFLOO

Expatrié aux États-Unis

Un seul mot: parfait…au delà même de nos attentes. Comme nombre de français de l’étranger, nous étions face à un mur pour financer un projet immobilier. Nous ne savons pas si c’est notre persévérance, ou la chance, ou les 2, mais dès notre contact avec Herve et Louis Felix, tout s est merveilleusement bien déroulé. Les obstacles se sont effacés les uns après les autres. Analyse du dossier, introduction auprès d une banque performante, conseils pertinents de Louis Felix, puis ceux du directeur de la banque lui même accompagné de son juriste. Aujourd’hui hui les fonds sont chez le notaire, et nous signons dans 6 jours. Notre dossier était pourtant d une complexité a faire fuir. Mais grâce a indexa, Herve, et louis Felix, nous vivons un « happy ending »

Mezzi Cedric

Je tiens à remercier chaleureusement Louis-Félix de la société Invexa pour son accompagnement exceptionnel dans la recherche de mon crédit immobilier en tant que non-résident. Grâce à son expertise, sa proactivité et sa parfaite connaissance des démarches spécifiques, j’ai pu obtenir un financement parfaitement adapté pour l’acquisition de mon appartement à Paris. Malgré la période estivale, le suivi de bout en bout a été irréprochable, avec des explications claires et un service d’un grand professionnalisme. Je recommande vivement Invexa à toute personne, résidente ou non, souhaitant concrétiser un projet immobilier en toute sérénité !

Pascal TRAN

Excellent accompagnement. Louis est un excellent professionnel et a su trouver très rapidement le financement qui correspondait à notre besoin (expatriés et via une société) à un prix compétitif. Très bonne expérience, j’espère pouvoir re-travailler avec lui sur d’autres projets.

Francois Laine

Trouver un financement immobilier en France depuis l'étranger n'est jamais simple, surtout avec un profil atypique. Après plusieurs refus frustrants, notre rencontre avec Louis-Félix Salley et Hervé Seux a tout changé. Chez Invexa, nous n'avons pas seulement trouvé des courtiers, mais de véritables partenaires. Ils ont fait preuve d'une patience remarquable et d'un professionnalisme sans faille, nous guidant à chaque étape avec une clarté rassurante. La rapidité d'exécution et la qualité de leur réseau sont impressionnantes. Grâce à eux, ce qui était une source de stress est devenu une réussite totale. Un service 5 étoiles que je recommande vivement.

David Loury

Salariée en contrat local aux USA

I’ve been taken care of by Louis-Felix. Fast, accurate, easy going, couldn’t have asked for better service. I contacted him on the late stages of the work of another broker, but he won it clearly, by efficiency and getting me the best deal the first time. Highly recommend!

293 000€
Annecy

M Honore

We recently worked with Invexa, specifically with Louis and Hervé, to secure financing for a real estate property from Canada, and the experience was exceptional from start to finish. They were incredibly thorough, taking the time to understand our situation and assemble a complete and compelling financing package. What stood out the most was how resourceful and responsive they were throughout the entire process. No matter the question or hurdle, they were quick to provide clear guidance and practical solutions. Their support continued right through the finalization with the bank, ensuring everything moved forward smoothly. Overall, the service was outstanding, and we highly recommend Inxexa, and especially Louis and Hervé, to anyone looking for reliable and professional mortgage support.

Your mortgage managed
remotely, from A to Z

Your mortgage managed
remotely, from A to Z

Your mortgage managed
remotely, from A to Z

100% remote mortgage application analysis and file preparation

A dedicated single point of contact in your time zone

Video appointments at every key step

Direct coordination with your notary

Electronic signature of the Mortgage offer

The mortgage process is entirely remote. You can focus on your project.

Romain G.

LIVES IN

New York

Property

Paris

CIC France

CIC France

Mortgage approved

Mortgage approved

€571,000

€571,000

What banks don’t
tell you

What banks don’t
tell you

What banks don’t tell you

Do you think you need a 30% down payment and a French permanent contract?
Not necessarily. Our articles provide the details.

Do you think you need a 30% down payment and a French permanent contract?
Not necessarily. Our articles provide the details.

Do you think you need a 30% down payment and a French permanent contract (CDI)? Not necessarily.

Our articles provide a clear, up-to-date overview.

Entrepreneurs

Independent income, offshore companies, digital activities

Entrepreneurs

Independent income, offshore companies, digital activities

Expatriate Employees

International permanent contracts, local contracts, long-term assignments accepted

Expatriate Employees

International permanent positions, local contracts, long-term assignments accepted

Experienced Investors

Established wealth, multiple income streams, advanced strategies

Experienced Investors

Established estate, multiple income sources, advanced strategies

First-Time Investors

First investment, established savings, secured project

First-Time Investors

First investment, established savings, secured project

Entrepreneurs

Variable income, overseas company, freelance — we know how to structure these mortgage applications.

Expatriate Employees

Local contract, secondment, expat package — your employer does not need to be French.

Confirmed Investors

Existing portfolio, rental income, SCI (French property holding company) — we optimize the overall structure.

First-time investors

First property purchase in France, savings built up abroad — we guide you from A to Z.

Is your profile eligible?

Let's talk about your project

Let's talk about your project

Let's talk about your project

30 minutes with an advisor to assess your mortgage application. Free, confidential, with no obligation.

Free analysis within 24 hours

No commitment — fees charged only upon success

Available in your time zone

Reminder: You only pay if your mortgage is approved.

Frequently Asked Questions

Frequently Asked Questions

Frequently Asked Questions

Do French banks still offer Mortgages to non-residents?

Yes, but very few do so proactively. Most online banks systematically decline these applications, and many traditional banks do not have an advisor trained to handle this type of file. We work exclusively with 15+ partners that actively provide Mortgage financing for expatriates.

Do French banks still offer Mortgages to non-residents?

Yes, but very few do so proactively. Most online banks systematically decline these applications, and many traditional banks do not have an advisor trained to handle this type of file. We work exclusively with 15+ partners that actively provide Mortgage financing for expatriates.

How much down payment is required when you live abroad?

Most brokers and banks require between 20% and 30% down payment from non-residents. Thanks to our partners and the way we structure each application file, we regularly secure mortgage financing with only 10% to 20% down payment.

How much down payment is required when you live abroad?

Most brokers and banks require between 20% and 30% down payment from non-residents. Thanks to our partners and the way we structure each application file, we regularly secure mortgage financing with only 10% to 20% down payment.

My income is in a foreign currency. Is that a problem?

Most French banks apply a 10% to 20% haircut to income in foreign currencies. Our partner banks do not apply any haircut: your income is taken into account at its full actual value.

My income is in a foreign currency. Is that a problem?

Most French banks apply a 10% to 20% haircut to income in foreign currencies. Our partner banks do not apply any haircut: your income is taken into account at its full actual value.

Does my country of residence affect my Mortgage application?

Yes. Some countries are viewed more favorably than others by banks. Economically stable countries (Switzerland, Singapore, Hong Kong, the UAE, the EU) make access to mortgage easier. For countries considered higher risk, we know which banks accept these profiles.

Does my country of residence affect my Mortgage application?

Yes. Some countries are viewed more favorably than others by banks. Economically stable countries (Switzerland, Singapore, Hong Kong, the UAE, the EU) make access to mortgage easier. For countries considered higher risk, we know which banks accept these profiles.

Do I need to be physically present in France to sign?

No. The entire banking process is handled remotely: notarial power of attorney, electronic signature, and video conferences with the bank.

Do I need to be physically present in France to sign?

No. The entire banking process is handled remotely: notarial power of attorney, electronic signature, and video conferences with the bank.

How long does the process take?

On average, it takes 7 to 12 weeks between the initial contact and the release of mortgage funds. Some straightforward applications are finalized within 4 to 6 weeks.

How long does the process take?

On average, it takes 7 to 12 weeks between the initial contact and the release of mortgage funds. Some straightforward applications are finalized within 4 to 6 weeks.