Property remains one of the most solid ways to build lasting wealth in France. But a rental investment needs a well-structured loan and a clear banking strategy — especially on the French Riviera, where each market behaves differently.
A banking strategy built for rental investment
French banks do not assess a buy-to-let like a main home. Debt ratio, how projected rent is counted, tax treatment: every detail matters. I steer you towards the lenders that best fit your profile and your target city.
Optimising your borrowing capacity
Furnished rental (LMNP), buying through an SCI, rental deficit schemes… the right structure improves both your borrowing capacity and your yield. Together we choose the setup that serves your life project.
Support from A to Z
From the first simulation to the signature at the notary's office, I am your single point of contact. You save time, avoid mistakes, and invest with peace of mind — in English if you prefer.
FAQ
- In some cases, yes — certain banks finance up to 110% for rental investment when your profile is strong and the projected yield is coherent. A deposit of 10–20% remains the norm.
- Typically, around 70% of projected rent is added to your borrowing capacity. I help you present it in the way each bank prefers.
- It depends on your tax situation, your long-term plans and the city. We look at it together during the discovery call.
- Nice, Antibes, Cannes, Cagnes-sur-Mer, Menton… each has its own rental market. I point you towards the banks most comfortable with each area.