Purchasing property in France as a British Expat
Have you ever wondered what it would be like to move to France?
It is estimated that around 180,000 Brits have already made France their permanent home.
In June 2024, another 79,000 joined them. These are impressive stats!
The vast majority of incoming Brits will, at some point, want to purchase a French property.
However, navigating the French property market requires a thorough understanding of the legal processes, financial implications, and regional nuances.
With the UK having left the EU, the opportunities are still there, but things have changed significantly.
Though buying a French home is certainly not impossible, it is not quite as easy as it once was.
Our “how to” guide provides a comprehensive overview to assist British expats in making informed decisions when buying property in France.
1. Why is France so Popular?
Check out these 10 top reasons people consider moving to France.
Purchasing property in France as a British expatriate offers an enticing opportunity to immerse yourself in the country’s rich culture, diverse landscapes, and renowned cuisine.
Many British people choosing to emigrate do so for a variety of reasons; here are the top 10:
- Quality of Life
France offers a slower, more relaxed lifestyle than the UK, particularly in rural areas. The French work-life balance is highly valued, with shorter working hours, long lunch breaks, and generous holiday allowances.
- Affordable Property Prices
Property in France can be significantly more affordable than in the UK, particularly in rural regions such as Nouvelle-Aquitaine, Brittany, and Occitanie. Many British expats find that their budgets stretch further, allowing them to buy larger homes with more land.
- Better Climate
Many British people move to France for its milder winters and warmer summers, especially in the south. Popular regions like Provence, Dordogne, and the French Riviera offer plenty of sunshine and outdoor living.
- High-Quality Healthcare
France has one of the best healthcare systems in the world, with universal coverage and well-funded public hospitals. British expats who obtain a Carte Vitale can access state healthcare at reduced costs.
- Excellent Food and Wine
French cuisine and world-renowned wines are significant attractions. The country’s culinary reputation draws many food-loving expats, who enjoy everything from fresh baguettes and cheeses to Michelin-starred dining.
- Proximity to the UK
France’s proximity makes it easy for British expats to visit home. Eurostar, ferries, and short-haul flights make trips back to the UK convenient and affordable.
- Retirement Benefits
France is a popular retirement destination due to its affordable living costs, excellent healthcare, and relaxed pace of life.
- Cultural Richness and Heritage
With a rich history, stunning architecture, and countless museums, France appeals to those seeking a deep cultural experience. Cities like Paris, Lyon, and Bordeaux perfectly blend historic charm with modern convenience.
- Business and Work Opportunities
France’s economy provides job opportunities in various sectors, particularly for those skilled in tech, finance, and hospitality. Additionally, some British expats move to France to start businesses, particularly in tourism and hospitality.
- Education and Family-Friendly Lifestyle
France has a high-quality education system, with access to both public and international schools. British families moving to France appreciate the child-friendly culture, excellent schooling, and safe environment.
2. Legal Requirements and Post-Brexit Considerations
There are some important things to keep in mind when purchasing a property in France.
Post-Brexit, British citizens retain the right to purchase property in France without restrictions.
However, owning property does not automatically confer residency rights.
A long-stay visa is mandatory for stays exceeding 90 days within 180 days.
Prospective buyers should familiarise themselves with the various visa options available, such as the Visa de Long Séjour Temporaire (VLS-T) for temporary stays of up to six months and the Visa de Long Séjour valant Titre de Séjour (VLS-TS) for longer stays, which can lead to residency after five years.
Detailed information on visa types and application procedures can be found on the official French government website.
3. The French Property Market: Trends and Insights
It is crucial that you stay up to speed with the latest housing market trends when purchasing a property.
As of 2025, the French property market exhibits stability with modest growth.
Analysts predict a moderate price increase of 2-3% annually, with rural areas experiencing more resilience than major cities.
This trend is attributed to improved buyer purchasing power and sellers’ willingness to accept more realistic pricing.
Urban centres like Paris, Lyon, and Marseille continue to attract buyers due to their economic opportunities and cultural offerings.
Conversely, regions such as Nouvelle-Aquitaine and Occitanie are gaining popularity among those seeking more affordable housing and a tranquil lifestyle.
The average property prices vary significantly:
- Paris: Approximately €13,000 – £10,900 per square meter.
- Lyon: Around €6,200 – £5,158 per square meter.
- Marseille: About €4,857 – £4,450 per square meter.
You can find out more about how well the markets are performing by visiting the French newspaper Connextion, which has published a very informative report on the subject.
4. Financing Your French Property
Find out what the best route to buying a house in France is for you.
Many Brits have sold their homes and businesses in the UK and can now buy a home mortgage-free in France—an ideal situation!
However, securing a mortgage in France is also a feasible route for British expats to own property, though the terms may differ based on residency status.
French mortgage lenders are willing to consider applications from both residents and non-residents.
French banks typically offer loan-to-value ratios of up to 85% for EU nationals, including British citizens.
Non-EU citizens may face stricter conditions, often limited to 60% loan-to-value.
You can expect the process to take around 12-14 weeks to get approval for a mortgage in France
It is highly advisable to consult with a reputable mortgage broker who is experienced in international transactions and fluent in English to explore your best options.
For more detailed information on obtaining a mortgage in France, visit Wise.com
5. Finding a Reputable Mortgage Broker
A good mortgage broker can make the buying process much easier.
It is highly recommended that non-residents secure a mortgage in France by working with a specialist in international property financing.
An experienced overseas mortgage broker can navigate the complexities of the French lending system, compare the best deals, and ensure that your application meets all requirements.
They can also help you understand additional costs, such as insurance and notary fees, preventing unexpected expenses.
Engaging a broker early in the process increases your chances of securing favourable loan terms and streamlining approval.
For reliable mortgage assistance, consider consulting lenders that specialise in expat financing or international mortgage services.
France Property Guides has written an in-depth blog about how to find a good mortgage broker in France.
6. A Note About Currency Exchange
Many people are slightly nervous about using Foreign Exchange (FX) companies.
However, French property buyers can potentially save a lot of money by using one.
Exchange rates fluctuate daily due to economic events, political news, and global markets, making the period between making an offer and completing the purchase, typically two to three months, particularly volatile.
Without proper risk management, the final cost in your home currency could be significantly higher than expected.
Consider using a foreign exchange service specialising in international property transfers to protect your budget.
These services offer tailored solutions that go beyond what high-street banks offer.
One common option is a forward contract, which locks in an exchange rate for a set period and ensures price certainty.
While exchange rates could move in your favour, relying on market fluctuations is a risk worth considering carefully.
It costs nothing to speak to a dependable FX company such as Halo Financial.
They are helpful and will explain the whole process to you so you can decide if you are interested in participating.
7. The Property Purchase Process
Learning about the key steps in the purchasing process is key.
Buying property in France follows a structured legal process to protect both buyers and sellers.
From finding the right home to signing the final contract, understanding each stage ensures a smooth transaction.
The journey to acquiring property in France involves several key steps:
- Property Search: Utilise reputable real estate agents and online platforms to identify suitable properties.
- Making an Offer: Once a property is selected, a formal offer is made, often through the estate agent.
- Preliminary Contract (Compromis de Vente): This binding agreement outlines the terms of the sale.
- Cooling-Off Period: A 10-day period during which the buyer can withdraw without penalty.
- Final Contract (Acte de Vente): Signed in the presence of a notaire, this finalises the sale and exchanges the keys.
Engaging a notaire is mandatory in French property transactions.
They ensure the legality of the sale, conduct necessary checks and handle the registration of the property.
More information on the role of notaries can be found here.
8. Taxation and Additional Costs
Purchasers should be aware of various taxes and fees associated with buying property in France:
- Notaire’s Fees: Typically, around 7-8% of the property’s purchase price.
- Stamp Duty (Droits de Mutation): Approximately 5.8% for existing properties.
- Property Taxes: Annual taxes include Taxe Foncière and Taxe d’Habitation, the latter of which is being gradually phased out for primary residences.
Your chosen notaire will discuss and advise you about these charges so that you don’t encounter some nasty financial surprises of which you were not aware.
9. Choosing the Right Location
There are simply so many wonderful locations to choose from in France.
Arguably, one of the biggest decisions you make when searching for your ideal home in beautiful France is the location.
Be it amid the stunning French countryside or a lock-up-and-go city bolthole, France offers a plethora of regions, each with its unique charm.
Check out these popular British expat locations:
Dordogne
Known as “Little Britain,” this region offers picturesque countryside, charming villages, and a relaxed lifestyle, attracting retirees and second-home buyers.
Brittany
Coastal beauty, a mild climate, and affordable property prices make Brittany a particular favourite for expats seeking a peaceful seaside retreat close to home.
Provence
Famed for its vineyards, lavender fields, and Mediterranean climate, Provence is ideal for those seeking sunshine and vibrant French culture.
Languedoc-Roussillon (Occitanie)
A more affordable alternative to Provence, offering beaches, vineyards, and historic towns with a strong British expat community.
Paris
A dream location for professionals and culture lovers, Paris offers world-class dining, museums, and a buzzing international community.
Loire Valley
This region, home to stunning châteaux and rolling vineyards, appeals to history lovers and those seeking a tranquil lifestyle.
Charente
A warm climate, affordable homes, and charming market towns make this area increasingly popular with British expats.
Côte d’Azur (French Riviera)
Known for its glamour, sunny weather, and Mediterranean coastline, this region is perfect for those seeking luxury and a vibrant social scene.
When you are selecting a location, consider factors such as accessibility, local amenities, and community integration.
Plus, there is nothing as helpful as visiting potential areas in person.
Engaging with local residents is the perfect way to gain invaluable insights into a particular location and understand whether it’s for you.
10. Healthcare and Education
Make sure you are in the know when it comes to services like healthcare.
When you plan to emigrate, health and education will be critical issues to address.
Thankfully, France boasts a high-quality healthcare system.
Expats are advised to obtain comprehensive health insurance, either through the public system (PUMA) or private providers.
The same can be said for education. France also boasts a robust educational system. understanding it will be essential for your children’s academic and social integration.
Many families choose to educate their children via an international school because they follow the British curriculum.
A directory of French international schools is available at the International Schools Database.
11. Cultural Considerations and Integration
Embrace the French culture after your move.
Embracing the French way of life enhances the expatriate experience, and there are many ways to achieve this.
Learning the language, participating in local events, and understanding social norms all help to facilitate smoother integration.
Additionally, numerous language schools and cultural associations across France offer programs tailored for newcomers, and many are free to attend.
For instance, the Alliance Française provides language courses and cultural workshops in various cities.
Online expat platforms such as Expatra and InterNations connect you with other UK expats who can be an excellent source of information.
Making the effort to form new friendships is not always easy for us Brits. However, if you are serious about moving to France permanently, it is vital for the success of your journey.
12. Are you ready and Prepared to Start the Journey?
Buying property in France as a British expat can be a bit like a double-edged sword: thrilling and stressful.
By understanding the process’s legal, financial, and cultural aspects, buyers can make well-informed decisions and lessen the stress.
France provides a gateway to a new lifestyle and investment opportunities. With careful planning, your dream home in France can become a reality!
Moving house is stressful enough, but relocating abroad adds another level of complexity. However, with the right planning and expert support, the process can be far smoother than you think.
If you still need a little convincing, take some time to read these highly informative blogs our enthusiastic White & Company team has written about life in France:
- Moving to France from the UK – A complete Guide
- Retiring to France from the UK – A Visa & Relocation Guide
Let White & Company Assist you
At White & Company, we specialise in international removals to France, helping individuals and families transition seamlessly.
Whether you need a full-load shipment to send all your belongings directly to your new French home or a part-load option that arrives shortly after you, we tailor our services to suit your needs and budget.
Need storage? No problem. We offer secure, flexible storage solutions to keep your belongings safe until you’re ready for them.
Our trusted partners in France handle all customs paperwork and clearance, ensuring everything is processed efficiently. They’ll also assist with unloading and unpacking so you can settle into your new surroundings without unnecessary hassle.
To learn more about our services or request a quote, call our international team at 01489 854175 or fill out our quick quote form.
As proud members of the British Association of Removers (BAR), we uphold the highest standards in quality and customer care.
Let White & Company take care of the logistics, leaving you to focus on embracing your new life in France with total peace of mind.
Max is a seasoned writer and blogger in the real estate and home moving sectors, as well as a knowledgeable source of information for expatriates living and working abroad. His detailed insights have helped thousands of people move and live abroad with greater simplicity and ease.
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