Your French mortgageWe speak your languageWe make accessing and understanding all your French financial affairs easy.

1 APPLICATION

How we assess your applicationTo help us understand your financial position, we will need information on your employment, general assets, project and bank details together with documents to substantiate these. We will also need a copy of the signed “compromis de vente” for the property you are purchasing*.

If you are self-employed, please let us know as additional documents will be requested to complete the analysis of your application.

Completing your assessmentOnce our team has assessed your application, checked the additional documents and are confident you’ll be able to meet the repayments, a decision in principle (DIP) will be made based on the type of mortgage and repayment term.

It is important to include a “clause suspensive” when signing your “comprimis de vente”. This enables you, if the mortgage application is unsuccessful, to withdraw from the sale within a given timeframe and with no penalty.

TO QUALIFY

• Resident in UK, France or Ireland.• Over 18 years of age.• No CCJ’s (county court judgments).

We look at a number of factors to make sure you’ll be able to afford the size of your loan (1).

If you are self-employed you will need to be able to provide documents relating to your business as well as your personal situation.

Ask the question

before you decide

which is the best

option for you!

2 OPTIONS

Type of Loans available• Purchase of your home in France• Purchase of your holiday home in France• Construction of your new French property (land & building costs)• Renovation work on your French property• Re-mortgage with CA Britline (switch from an existing French lender)

Choosing the right type of mortgage for you.

Life insurance cover is obligatory (minimum 100%)

Building & Contents insuranceYou will need to arrange buildings and contents insurance for your property. We can provide a free quotation for this and all your insurance needs.

To proceed with an application please complete and return the mortgage application form found at www.britline.com

(2) in order for us to further your request.

Typically you will have a choice between a flxed rate or a variable rate (several options for this).ln France, a flxed rate is just that-fixed for the whole of the term of the loan. You would expect early redemption fees to be applicable on this type of loan. However, depending on the type of variable rate loan you may choose there may not be early redemption fees.

3 OFFER (1)

You should allow a minimum of 5 working days from receipt of a completed application to an outcome regarding a DIP. (Decision in principle)

Once your dossier is complete, subject to the examination and definitive acceptance of your application based on your supporting documents by the Caisse Regionale de Credit Agricole Mutuel de Normandie, CA Britline will confirm the offer in writing. You have a legal right to a cooling off period before signature.

Changing your offer before completionWe make our offer based on the details you provided in your original application, such as property purchase price, loan amount and the type of mortgage product. If you wish to make any changes to these, now is your final opportunity to discuss them with your mortgage adviser before completion.

IMPORTANT: OPENING A FRENCH BANK ACCOUNT: Whatever your project in France you will need a French bank account – don’t wait to apply until your loan application is agreed as this will cause delays releasing funds. You can apply for your account NOW online at www.britline.com (2) whether you live in the UK, Ireland or France.

4 COMPLETION

• Upon receipt of all documents and a positive response on the life insurance, the Notaire receives a copy of the mortgage offer and sets up the guarantee.• The Notaire will send a funds request to the credit unit for your mortgage to be unblocked

Make sure you have your funds in place for the deposit and final payments with Britline International Payments Service

• 24/7 Online Transfers • Telephone Transfers• Regular Transfers Abroad (mortgage payments)• Latest rate comparisons £ to €

Once the seller has received the money, the house purchase is complete and you get the keys to your new home. Congratulations!

FAQ’S

What are the additional costs of buying a French property?Life assurance is subject to age and medical history. French house prices normally include agent’s fees. If you see a property quoted with FAI after the price, it means ‘Frais d’ Agence Inclus’ (Agent Fee Included). The buyer in France usually (but not always) pays the agency fee. The price of the property, excluding the agent’s fee is called the ‘net vendeur‘ price. In addition, the buyer has to pay the notaires fees. It is also worth knowing that if you are borrowing in France to buy the house, the Notaires fees are increased by a further 1%/1.5% to pay the ‘frais de garantie’ – mortgage registration tax, resulting in Notaire fees of approximately 8%. If you choose to use a mortgage broker, there may be additional broker fees.

Will I need a French bank account?You will need a French bank account to service the mortgage but you will need it anyway if you have a French property. It is recommended that you begin the process of opening an account at the early stage of your project. Visit www.britline.com

(2) to make your online application.

Can I have a buy to let mortgage?Yes, you can apply for a mortgage for a rental property; however we will not be able to take into consideration the future rental income that will be generated.

HOW TO APPLY

Step 1:Go towww.britline.com/mortgage

to download your application form, complete and send to CA Britline by e-mailcontact@britline.com

or by post.

Step 2:Save time and avoid delays. Go online and start your bank account application today.

Step 3:Be ready to transfer funds. Set up a Britline International Payments Service account. Go to currency page on our website to sign up.

Step 4:Get a quote for your house insurance via the website or by calling the team.

(2)

Terms & Conditions:(1) A loan is a commitment and must be repaid. Check your ability to repay the loan before making the commitment. Under the condition that your mortgage file is accepted by your Caisse Regionale de Credit Agricole, lender, subject to acceptance of your mortgage application, you have a cooling off period of 10 days to accept the mortgage offer. The completion of the sale is subject to obtaining the loan. If this is not achieved, the seller must refund your payments.

(2) Local costs apply when phoning within France from a fixed line. Check with your service provider when calling from abroad. Free access by Internet (excluding fees charged by your service provider)

(3) Access and download the My Britline app free of charge. Use of the application requires a communication device compatible with Internet access and subscription to the service Crédit Agricole Online. The services may vary depending upon your Caisse Regionale.

(4) From the 1st direct debit switch you receive 50e in e-vouchers accepted by a variety of online merchants showing the Isilis logo. Subject to terms and conditions.

(5) Offer available on 1 card only, offer excludes L’Autre card and the Prélude card.

(6) Applicable for only one PEL account opening; offer unavailable in regards to the transfer of a PEL. Interest rate for the Plan Epargne Logement (PEL) is fixed by governing bodies and depending on the opening date of the account. One PEL only per person across all French banks, under the condition that a minimum of 225e€is deposited when the account is opened and that the required deposits are made periodically (540e minimum per year up to the permitted limit).

(7) Offer limited to one subscription to Vehicle or French Home and Contents insurance. Both Vehicle and French Home and Contents insurance are insured by PACIFICA, Insurance Company for property insurance, subsidiary of Credit Agricole Insurance. PACIFICA SA with a consolidated capital of 252 432 825€, untied funds, company regulated by the insurance code. Headquarters: 8/10 Boulevard de Vaugirard – 75724 Paris Cedex 15. 352 358 865 RCS Paris. The events guaranteed and the conditions shown on the contract.

(8) For the current rate of interest ask CA Britline. The term deposit Bienvenue/Welcome account (DAT) has a duration of 3 months, is non-renewable and only one deposit may be made into it at the time of opening. A minimum amount of 2 000e and a maximum of 50 000e is required at the time of subscription. In the event of early withdrawal a notice period of 31calendar days is required and must be respected in accordance with the General Conditions. The term deposit account is available to any person aged 18 years or over, holding a current account with regular credits and debits at CA Britline. The initial deposit also must come from new funds deposited within the last month in the CA Britline current account.

(9) Offer valid from 01/01/2017 to 21/12/2017. Under the condition that your mortgage file is accepted by the Caisse Regionale de Credit Agricole Mutuel de Normandie, lender. You have a cooling off period of 10 days to accept the mortgage offer. The completion of the sale is subject to obtaining the loan. If this is not achieved, the seller must refund your payments. Offer non-cumulative with other promotional offers linked to housing loans. Death and invalidity insurance will be required in order for the loan to be granted. Death and invalidity insurance is provided by: CNP ASSURANCES,

limited company with 686 618 477€ of untied funds –regulated by the insurance code, Head office: 4 Place Raoul Dautry – 75016 PARIS Cedex 15-registered with the Commercial Register and Paris Societies under the n° 341 737062- Tel: 01 42 18 88 88 – www.cnp.fr. GROUPE CAISSE DES DEPOTS and PREDICA SA limited company with 997 087 050 of untied funds. 334 028 123 RCS PARIS Head office: 50-56 rue de la Procession – 75015 PARIS. For loss of employment insurance only: CNP CAUTION, limited company with 258 734 553, 36 of untied funds. 383 024 098 RCS Paris-regulated by the insurance code. The events guaranteed and the conditions figure in the contract. It is possible that your medical condition does not enable you to benefit from the standard terms of insurance. In this case the AERAS convention can arrange solutions adapted to your situation. The borrower may subscribe to mortgage death and invalidity insurance with the insurer of their choice as long as its meets the conditions fixed by Article L313-30 of the consumer code.

The cover must be the same level of cover as proposed within the lenders insurance cover.

All insurance contracts are distributed by your Caisse Regionalé Agricole Mutuelle de Normandie; insurance broker.

By mail:CREDIT AGRICOLE BRITLINE

CS 2501414050 CAEN CEDEX 4

FRANCEBy email: contact@britline.com

By phone: +33 (0)2 31 55 67 89 (2)

AN INNOVATIVE BANK - My Britline (3)Manage your accounts in ENGLISH using a smartphone or tablet

CA Britline is a branch of the Caisse Régionale de Crédit Agricole Mutuel de Normandie - Head Office: 15, esplanade Brillaud-de-Laujardière - CS 25014 - 14050 CAEN CEDEX 4 - Cooperative company with variable capital, registered as a credit company - 478 834 930 RCS Caen - Insurance brokerage company registered under matricule Nr 07 022 868. CA Britline is a member of the Guaranteed Fund for deposits, the Guarantee of Investors warranties, and Guaranteed Fund for investors. CA Britline is controlled by L’Autorité de Contrôle Prudentiel et de Résolution: 61 rue Taitbout - 75436 Paris Cedex 09.

Follow us on facebookand keep up to date with special offers and community news.

www.britline.com (2)