France · Funding decisions16 September 2026
Knowledge & resources
Perspectives on property, finance and ownership.
Practical guidance for international buyers navigating banks, purchase contracts and prime property in France, Spain and Italy.
Italy · Lake Como14 September 2026
Lake Como property mortgages: financing a villa as an overseas buyer
Bring the villa, land, access rights and any waterfront concession into the financing review. Then establish how the mortgage will fund the purchase and planned works.By Louis-Félix Salley · 11 min readRead article
France · The Alps11 September 2026
French Alps chalet mortgages: financing a purchase in Megève or Courchevel
An existing chalet, a renovation and a developer new-build need different funding plans. Align the property evidence, construction payments and rental assumptions before committing.By Louis-Félix Salley · 11 min readRead article
Spain · Mallorca9 September 2026
Mallorca mortgages for non-residents: financing a prime villa or finca
The property file matters as much as the buyer file. Bring the buildings, permissions, valuation and intended use into the financing discussion before a Mallorca purchase becomes binding.By Louis-Félix Salley · 11 min readRead article
France · Ownership and financing6 September 2026
Financing French property through an SCI as a non-resident
An SCI can own the property and take the mortgage, while its members provide the cash and guarantees. A workable application explains how those responsibilities fit together before the purchase is committed.By Louis-Félix Salley · 11 min readRead article
France · Mortgage structures4 September 2026
Interest-only mortgages in France: payments, assets and the final repayment
A lower monthly payment leaves another question to answer: when and how will the capital be repaid? Compare the full schedule, asset commitments and repayment evidence before choosing the structure.By Louis-Félix Salley · 10 min readRead article
Spain · Business owners1 September 2026
Spanish mortgages for self-employed non-residents and business owners
Make the route from business results to personal mortgage income clear. A guide to foreign company accounts, ownership, dividends and current trading, with an original holding-company example.By Louis-Félix Salley · 10 min readRead article
France · Purchase funding30 August 2026
French mortgage deposits: how much cash does a non-resident buyer need?
Calculate the contribution, current purchase costs and cash still due. Then check what must remain available or pledged after completion: those commitments can change whether a prime purchase is fully funded.By Louis-Félix Salley · 10 min readRead article
Italy · Purchase funding27 August 2026
Italian mortgage deposits: calculate the contribution, taxes and closing cash
An Italian purchase needs several different figures: the price, bank appraisal, tax base and net mortgage proceeds. Reconcile them before deciding how much cash to commit and when it must reach the transaction.By Louis-Félix Salley · 10 min readRead article
Spain · Purchase funding25 August 2026
Spanish mortgage deposits and valuations: how much cash will you need?
The advertised loan percentage is only the starting point. A prime Spanish purchase needs a cash plan that accounts for the bank's valuation, regional taxes, payments already made and the funds available at completion.By Louis-Félix Salley · 11 min readRead article
Italy · UK buyers22 August 2026
Italian mortgages for UK residents: buying a second home or planning a move
Remaining in Britain and relocating to Italy create different financing questions. Prepare the mortgage around where you will live, how you will earn and what will change before and after the purchase.By Louis-Félix Salley · 11 min readRead article
Spain · UK buyers20 August 2026
Spanish mortgages for UK residents: prepare before committing to a property
A Spanish mortgage needs to fit the financial life you are keeping in the UK. Review sterling income, existing borrowing and the cash available for completion before relying on a headline loan amount.By Louis-Félix Salley · 10 min readRead article
France · Business owners17 August 2026
French mortgages for company directors and the self-employed
Your company accounts, personal tax return and bank statements can show different figures without any of them being wrong. A French mortgage application needs to explain how they fit together.By Louis-Félix Salley · 11 min readRead article
France · Application review15 August 2026
French mortgage refused: what to review before applying again
A refusal is a decision on the application the lender assessed. Before approaching another bank, establish what was submitted, why it did not work and what can materially improve the next assessment.By Louis-Félix Salley · 10 min readRead article
Italy · US buyers12 August 2026
Italian mortgages for US citizens: eligibility, US income and the bank file
An American buyer needs four questions answered before relying on an Italian mortgage: can the purchase proceed legally, will the bank accept the borrower, is the property suitable security, and when will the money be available?By Louis-Félix Salley · 12 min readRead article
Spain · US buyers10 August 2026
Spanish mortgages for US citizens: presenting dollar income and US assets
For an American buyer, the useful question is how a Spanish lender will assess the money behind the purchase: salary, share compensation, business distributions and the assets intended for completion.By Louis-Félix Salley · 11 min readRead article
France · UK buyers7 August 2026
French mortgages for UK residents: income, deposits and the application
A UK salary, a profitable company and an investment portfolio can support a French property purchase. The application needs to explain how those resources fund the deposit, service the loan and leave you financially comfortable afterwards.By Louis-Félix Salley · 11 min readRead article
France · Mortgage planning5 August 2026
The French mortgage checklist for international buyers
Prepare the income, capital and property evidence for a French mortgage, with a practical document checklist and a worked funding trail for an international buyer.By Louis-Félix Salley · 10 min readRead article
Spain · Mortgage planning2 August 2026
Spanish mortgage checklist for non-residents: documents and completion steps
Prepare the borrower evidence, property documents and signing steps for a Spanish mortgage. Understand what each decision establishes before relying on the financing.By Louis-Félix Salley · 10 min readRead article
France · US buyers31 July 2026
French mortgages for US citizens: financing a property from America
How American buyers can prepare a French mortgage application: US-person onboarding, salary and equity compensation, dollar income, available capital and the purchase timetable.By Louis-Félix Salley · 11 min readRead article
Italy · Mortgage planning28 July 2026
Italian mortgage checklist for international buyers: documents to completion
Prepare the borrower, property and closing evidence for an Italian mortgage, with a clear distinction between credit approval, legal readiness and funds release.By Louis-Félix Salley · 10 min readRead article
Europe · Financing strategy26 July 2026
Retail mortgage or private bank? Compare finance for a European property
Compare the loan and the banking relationship together: repayment, fees, investment commitments, accessible funds and the conditions needed to complete your purchase.By Louis-Félix Salley · 11 min readRead article
France · Property protection23 July 2026