Disclaimer: This article is provided for general information purposes only and does not constitute legal or financial advice. Regulations may change, and every buyer’s situation is unique. We strongly recommend seeking professional advice from a notaire, lawyer, or tax advisor before making any property purchase in France.
Why Buy Property in France?
France has long been a favorite destination for international buyers, particularly those planning for retirement. The combination of a mild climate, excellent healthcare, rich culture, and relatively stable property market makes it especially attractive for buyers aged 55 and over. Whether you’re dreaming of a countryside farmhouse, a chic city apartment, or a coastal villa, France offers a wide variety of property options.
Can Foreigners Buy Property in France?
The good news: yes, foreigners can freely purchase property in France. There are no restrictions based on nationality. However, the process is detailed and involves several legal steps that may be different from what you’re used to in your home country.
Step 1: Understanding the Role of the Notaire
In France, property sales are overseen by a notaire, a public official who ensures the transaction is legally valid.
- The notaire acts as a neutral party for both buyer and seller.
- They handle the legal paperwork, check property titles, and register the sale with the French land registry.
- Notaire fees usually amount to 7–10% of the property price for older properties (less for new builds).
Step 2: Financing Your Purchase
Most foreign buyers fund their purchase in one of two ways:
- Cash purchase — common among retirees looking to simplify the process.
- French mortgage — available to foreigners but may require additional paperwork and proof of income.
💡 Tip: Currency exchange can make a big difference. Using a specialist service to transfer funds may save thousands compared to a standard bank transfer.
Step 3: The Buying Process in France
Here’s a simplified breakdown of the stages:
- Offer Accepted → You sign a preliminary contract (compromis de vente).
- Cooling-off Period → Buyers have 10 days to withdraw without penalty.
- Due Diligence → The notaire checks legal documents, planning permissions, and any outstanding debts.
- Final Deed → The acte de vente is signed at the notaire’s office, and ownership is transferred.
Step 4: Taxes and Fees to Expect
- Notaire fees: 7–10% (older homes)
- Stamp duty: Included in notaire fees
- Annual property taxes: Taxe foncière and taxe d’habitation (though the latter is being phased out for most residents)
- Inheritance tax: France has strict inheritance laws — important for buyers with children (see below).
Step 5: Inheritance and Succession Laws
One of the most important topics for foreign buyers over 55 is how property passes on to heirs.
- Under French law, children have reserved inheritance rights.
- A surviving spouse may not automatically inherit the entire property.
- EU buyers can elect their home country’s inheritance law to apply, but this requires planning.
👉 This is where professional legal and financial advice is crucial.
Step 6: Choosing the Right Region
France is diverse — choosing where to buy depends on your lifestyle goals:
- Provence & Côte d’Azur → Sun, Mediterranean lifestyle, higher prices.
- Occitanie & Dordogne → Popular with British retirees, affordable countryside.
- Charente (Confolens area) → A rising favorite among international buyers thanks to its charming towns, river views, affordable stone houses, and welcoming expat community. Ideal for those seeking a relaxed pace of life with easy access to larger cities.
- Brittany & Normandy → Mild climate, closer to the UK, charming villages.
- Paris & Cities → Strong rental market, but higher costs.
Step 7: Practical Considerations Before Moving
- Healthcare: France has one of the best healthcare systems in the world, and retirees may qualify for public coverage.
- Visas & Residency: Post-Brexit, UK citizens need a residency permit; non-EU citizens have other visa pathways.
- Language: Even basic French makes the transition smoother, especially in rural areas.
- Community: Many regions have strong expat networks, helpful for integration.
Final Thoughts
Buying property in France can be a rewarding step toward enjoying a dream lifestyle in one of Europe’s most beloved countries. While the process may seem complex at first, with the right guidance and due diligence, it can be smooth and secure.
If you’re considering making the move, start by researching different regions, budgeting realistically, and speaking with professionals (notaires, tax advisors, and property specialists) to ensure you make informed decisions.