Calculators
French mortgage and buying cost calculators
Three free tools to set a realistic budget for a French purchase, using current French figures that carry their date and source.
Last reviewed
Which calculators are there?
One estimates the notaire fees and purchase tax on a French property. One shows roughly what you could borrow on your income under French lending rules. One works out monthly repayments in euros with an estimate in your own currency. All three are free to use.
- Notaire fees calculatorPurchase tax, the notaire’s scale fees, disbursements, mortgage security and bank fees.
- Affordability calculatorWhat French lenders might lend on your income under the 35% rule, with an age check.
- Repayment calculatorMonthly payments in euros and your own currency, with borrower insurance and interest paid each year.
How much are notaire fees on my purchase?
The notaire fees calculator estimates the costs you pay on top of the price, for an existing property or a new build. It adds the purchase tax at your department’s rate, the notaire’s scale fees plus VAT, the land registry contribution and disbursements. It can also add the cost of the lender’s security and the bank’s arrangement fee.
It uses the departmental tax rates, the notaire fee scale, typical disbursements and security costs from our figures table, each with its date and source. It cannot give you the notaire’s final account. Actual disbursements vary, a notaire may offer a discount, and agency fees depend on who pays them.
How much could I borrow in France?
The affordability calculator applies the French rule that all your loan repayments, borrower insurance included, must stay within 35% of your income. It counts any mortgage and loans you already have, applies a currency buffer to non-euro income, keeps the term within the 25-year limit and checks your age against when the loan would end.
It uses the HCSF debt ratio and term limit, a typical reduction on non-euro income and the share of rental income lenders count, all from our figures table. It cannot tell you whether a lender will say yes. Minimum loan sizes, your credit history, how much you have left to live on each month and whether you can get insurance all matter too.
What would my monthly repayments be?
The repayment calculator works out the monthly payment in euros on a loan amount, rate and term you choose, with an estimate in your own currency. You can add borrower insurance, change the term and see how much interest you pay each year.
The market averages and usury caps in our figures table give a sensible range of rates to test, each dated and sourced. It cannot tell you the rate you will be offered, because averages are not offers, and it cannot predict the exchange rate over the life of the loan.
Which should I use first?
If you have not found a property yet, start with affordability. It gives you a price range to search in. If you already have a property in mind, start with notaire fees, because those costs come from your own money on top of the deposit. Use the repayment calculator last to test different rates and terms on the loan you expect.
Results are illustrations based on published French figures, not loan offers and not advice. A lender decides on your own case, and the figures we use are market averages or rules as at the dates shown. Our guides explain the rules behind each calculator.
Want your numbers checked properly?
Tell us about the property and your income in two short steps. We check your case against the criteria lenders actually use.