Finance exceptional property in Gustavia, Flamands and Pointe Milou. We review US-citizen projects from €3M and manage the cross-border process through closing.
Discuss your project
Prime mortgage markets
US buyers require a banking route that can assess American income, assets and tax reporting while financing property in a French jurisdiction.
These representative structures illustrate the profiles we prepare for private-banking teams. They are financing scenarios, not published client approvals; final terms depend on the complete borrower and property file.
Representative structures
Prime property networks
Representative structurePrivate equity partner · USA
Lives in New York
Target market Gustavia
US partnership income, investment assets and dollar liquidity prepared for a substantial French-Caribbean acquisition.
Representative structureFamily office principal · USA
Lives in Miami
Target market Pointe Milou
Family-company distributions and a diversified US portfolio structured around an exceptional secondary residence.
We establish whether the buyer, property and intended structure fit an institution able to onboard a US citizen before contractual deadlines begin.
One senior partner coordinates the lender, US advisers and the Saint-Barthélemy notarial process. The property project must have a minimum budget of €3M.
Discuss your project24 to 48h
We review citizenship, residence, income, investment assets, target property and intended contribution, then identify a viable cross-border banking route.
3 to 6 weeks
We prepare the US and French documentation as one credit file, place it with suitable private-banking teams and coordinate valuation and compliance.
3 to 5 weeks
We manage the bank workstream alongside your advisers and notaire until the mortgage documents are signed and funds are released.
Common client profiles
Our European mortgage practice is led from Paris. Hervé supports US and Americas-based buyers from Boston. Your financing stays with a senior adviser from first review to closing.
Senior partners · Europe & United States
Founding Partner
Paris, FranceUnited Kingdom · Africa · Asia
Partner · Europe
Paris, FranceEurope · Middle East · Oceania
Partner · Americas
Boston, USANorth America · LATAMFrench registration
Mortgage intermediation is a regulated activity. Our registration, permitted activity and responsible authority can be checked directly in France’s official register.
Official registration
ORIAS N° 25008593Mortgage-credit intermediation · JAYLO SASORIAS maintains France’s official register of insurance, banking and finance intermediaries under the authority of the French Treasury. The public record identifies the intermediary’s registered activity and names the ACPR as the authority responsible for this category.
This specialist route is currently reserved for US citizens acquiring property in Saint-Barthélemy. The application form asks you to confirm that status before submitting.
We review Saint-Barthélemy projects from €3M. The form removes lower budget bands when this market is selected.
Potentially, subject to the lender’s US-person policy, the borrower’s income and assets, the property and full compliance review. We test that route before you rely on financing in a purchase commitment.
The lender must be able to onboard a US person and understand US income, entities, investment accounts and tax documentation. We organise those facts for the credit and compliance teams while your US advisers address tax and legal advice.
We review prime acquisitions across the island, including Gustavia, Saint-Jean, Flamands, Colombier, Pointe Milou, Marigot and other established villa markets.
Much of the financing file can be prepared remotely. The lender and notaire will determine the identification, powers of attorney and signing formalities required for the specific transaction.
US citizens can share the location, budget and financial profile. We review property projects from €3M and identify the relevant banking route within one business day.
Journal
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 read
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 read
When you can pay cash, borrowing needs a clear purpose. Compare the money left accessible, the cost of the loan and the commitments attached to any banking relationship.
By Louis-Félix Salley · 11 min read