Equity Release in France for Expats: Unlock Cash from Your French Property
Release 30–50% of your property value in 45 days. No French bank needed. We also help owners with credit difficulties (FICP).
Confidential · No obligation · Response within 48 h
Why Expat Retirees Choose Us
We specialise in helping English-speaking property owners in France access liquidity — even without a French pension or banking history.
Fast Funding
45 days
From first contact to funds in your account. No months of back-and-forth with banks.
No Bank Required
Private funding
We bypass the traditional French banking system entirely. No credit check, no French income proof.
Keep Your Property
2-year term
Continue living in or renting your home. You have up to 2 years to repay the advance.
English Support
End to end
Our advisors speak English throughout the entire process. No language barrier, ever.
How It Works
A straightforward 3-step process to unlock the equity in your French property.
Free Assessment
Submit the form below or call us. We evaluate your property and situation within 48 hours and give you a clear, no-obligation answer.
Property Valuation
An independent expert values your property. Based on the valuation, we confirm the advance amount (30-50% of market value).
Funds in 45 Days
Once everything is approved, the funds are released within 45 days. You keep your property and have 2 years to repay.
Free Tools to Explore Your Options
Use these tools to get an instant idea of what you could access — no login, no commitment.
Quick Equity Estimator
See how much you could release in 60 seconds
Based on 30-50% of your property value. Exact amount depends on location, property type and condition.
This is an indicative estimate only. A formal assessment is provided free of charge.
Am I Eligible?
Tick all that apply to see if you qualify.
0/4 criteria met
Your Options for Releasing Cash from a French Property
Several solutions exist in France. We help you choose the right one for your situation.
Property Equity Advance
Our SpecialityReceive 30-50% of your property value in 45 days. You keep your home and have 2 years to repay. Works even with credit difficulties (FICP). No French bank account or income proof required.
Ideal for: Expat retirees who need liquidity fast and cannot access traditional French banking.
Lifetime Mortgage (Prêt Viager Hypothécaire)
Long-TermA loan secured against your property that is repaid when the property is sold or upon death. No monthly repayments required. Since 2025, this product has reopened to non-EU nationals including British and American citizens.
Ideal for: Seniors 65+ who want supplementary income without monthly repayment obligations.
Remortgaging Your French Property
TraditionalRefinance your existing mortgage to release additional equity. Requires a French bank account, proof of income, and clean credit history. Processing takes 8-12 weeks through traditional banks.
Ideal for: Property owners with French banking relationships and standard financial profiles.
Viager (Sell While Staying)
PermanentSell your property while retaining the right to live in it for life. You receive an upfront lump sum plus monthly payments. The sale is permanent — you lose ownership.
Ideal for: Elderly owners who are comfortable permanently selling their property.
Refused by French Banks? We Specialise in Complex Cases
Most equity release providers in France require clean credit histories and standard financial profiles. We don't. This is our core expertise — and what no other English-language provider offers.
FICP-Listed Owners
If you are registered on the FICP (France's credit incident database), traditional banks will refuse you. Our private funding partners evaluate your property, not your credit score.
No French Income or Pension
Expat retirees often have no French income or pension to show. Standard lenders require these. Our service is designed specifically for expats who earn abroad or have irregular retirement income.
Post-Brexit Complications
Since Brexit, UK nationals face additional hurdles with French financial institutions. We have established routes that work for non-EU citizens, including Americans and Britons.
Facing Property Seizure
If your French property is at risk of seizure due to unpaid debts, we can intervene quickly. Our 45-day process is designed for urgent situations where time is critical.
Frequently Asked Questions
Everything you need to know about our property advance service for expats.
Is equity release available in France for non-residents?
How much equity can I release from my French property?
Do I need a French bank account, pension, or credit history?
How long does the entire process take?
What are the repayment terms?
Can I release equity if I have credit difficulties (FICP)?
What happens if I cannot repay within 2 years?
Is all communication available in English?
Your Expert
Idriss
Bilingual property finance expert (English-French). Idriss has spent over 12 years helping English-speaking expats, investors and property owners unlock equity from their French properties — including complex cases refused by traditional banks. He personally reviews every application submitted through this page.
Not Sure Where to Start?
We understand this is a big decision. You're not just a form — you're a property owner with a real situation. Fill in the form below and Idriss or a member of our English-speaking team will get back to you within 48 hours. No pressure, no jargon, just straight answers.
Confidential · No obligation · Response within 48 hours
Get Your Free Assessment
Fill in the form below. An English-speaking advisor will contact you within 48 hours.
Why Trust Us
Financial intermediary
Families helped
Bilingual team
Based in France
This service is available to property owners in mainland France and Corsica. Minimum property value: EUR 150,000. Financement-FICP.fr is a registered financial intermediary (IOBSP/IAS).