Welcome to the IFP Ltd. Mortgage Calculator

As you know French mortgage companies lend on a slightly different basis to those based in the UK. You can take advantage of low European interest rates but you must also satisfy the French consumer law to ensure you can afford to repay the mortgage and maintain a good standard of living.

How much can I borrow?

To ensure that you can afford to repay the French mortgage your total outgoings (debt ratio) must not exceed 33% of your gross income*. To give an approximation of how much you can borrow please use the mortgage calculators below.

* There is some flexibility in this system and the debt ratio can be extended up to 40% dependant on your earnings and circumstances. Please contact us to learn more.

---

Affordability Calculator

Now that you have calculated the monthly repayments you can use our affordability calculator to ensure your outgoings do not exceed 33% of your gross monthly income.

Enter your monthly gross income, along with any rental income (if you intend to let the property) and your outgoings including the proposed French mortgage. Our calculator will then display your debt ratio and amount you can repay each month.

Income Gross Income Rental Income Other Income   Outgoings UK Mortgage French Mortgage Car Loan Other loans and CCs Child Maintenance Rent

If the debt ratio is above 33% you can change some details on the monthly repayment calculator perhaps borrowing less or extending the term of your mortgage, up to 25 years maximum.

---