With continued strong and focused representation on behalf of our clients, we are raising significant funds for French property acquisitions in key locations in France such as Meribel, Courchevel, Val d’Isère, Megève, Chamonix, Morzine, les Gets, Sainte Foy, Les Arcs, Les 2 Alpes, Alpes d’Huez.. We are also unlocking equity on luxury property and investment portfolios in french Riviera, Cote d’Azur, Lubéron, Alpilles, Perigord,.

In today’s constantly changing and uncertain fiscal and political climate it has never been more important to carefully consider a property investment lending.

It is an assumption that Ultra High Net Worth’s pay for their houses in cash. Not so. There is no merit in allocating all one’s capital to a single asset; it only trims credit line in other areas and means that one doesn’t have the funds on hand to prosper elsewhere.

Until very recently the holding of the property in an SPV (Special Purpose Vehicle) had been the foremost consideration to seek the most flexible and tax efficient structure for a non-resident owning overseas property. However, the benefits of holding property in an SPV have largely diminished as governments around Europe have sought to close the fiscal advantages that these entities held. As a consequence we have seen some clients incurring significant notary and legal fees taking ownership away from SPV’s and leveraging the asset.

Using bank finance for the purchase of a second home or lease back and structuring it correctly to compliment an owners overall fiscal circumstances remains a legitimate and invaluable opportunity in the current climate which can provide a degree of control and certainty when constantly changing governments introduce new obligations and legislation for property owners.

For higher value purchases we provide bespoke financing solutions to set the optimum level of debt loan on the property, thereby creating tax efficiency whilst preserving and avoiding the liquidating of other investments. We arrange French mortgage solutions with banks in banking centres currently situated in the most politically stable jurisdictions in Europe, that provide multijurisdictional banking services to our clients.

At Polperro Finance delivering the right French lending solution is the beginning of the relationship and we remain available for our clients to give advice and guidance into the future in the changing climate we face.