Hello There

Until recently the maximum mortgage for anyone living in EU countries was 85%. For residents of non EU countries up to 80%.

The mortgage products available from French banks is very limited in comparison to other countries, but there have been some quite significant changes over the past few years, and there are more changes on the way too, such as higher percentage borrowing and longer mortgage term.

The banks all have their own mortgage products - they all differ.

On interest rates, mostly they'll work on the 3month Euribor, but occasionally on 1 month or 12 month Euribor rate.
They will add on their own margin, and again this can be very different from one bank to another.
Then there is the cost of life assurance, the cost of which will also differ. Finally watch out for the arrangement fees.

Kind Regards
Carole Bayliss