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• Parental leave and mortgage: borrowing at the right time, on the right income Borrowing on parental leave remains possible: the lender assesses income on the day of review. Choosing the submission date, the documents, the insurance.
• Company director or manager: making your income legible for a mortgage Company director: the lender reviews your personal file and the company’s. The documents that make your income legible, and the commitments to declare.
• Borrowing after 60: Removing the real obstacles, from insurance to term There is no legal age limit for borrowing. After 60, three factors decide: the insurer, pension income and the insured amount.
• Borrowing while pregnant or on sick leave: your rights vis-à-vis the bank and the insurer Mortgage while pregnant, on maternity leave or on sick leave: what the bank reads, what the insurer may request, and what the law prohibits.
• Listed on the FICP: removing your name from the register, then preparing your mortgage While listed on the FICP, a mortgage is refused almost everywhere. Check the entry, regularise the situation, have the removal confirmed, then reapply.
• Expat or non-resident mortgage: borrowing in France from abroad Tax residence, down payment, foreign-currency income, banks that accommodate, remote signing: what makes a non-resident application financeable in France.
• Mortgage for civil servants: making your bonuses, on-call shifts and overtime count Salary, bonuses, on-call and night shifts, overtime: what the lender retains from a public-sector payslip, and the documents that validate all your income.
• Mortgage for doctors: resident, locum, self-employed or partner, building the right application Resident, locum, newly self-employed or partner in a practice: what the lender requires at each career stage, and how to present a strong application.
• Mortgage for self-employed professionals: ensuring your financial statements are assessed at their true value Line-by-line adjustment of the profit, double counting of the business loan, current account, SELARL, takeover: what increases your income taken into account.
• Mortgage without a permanent contract: fixed-term contracts, temporary work, probationary period – what the banks accept No permanent contract? The bank assesses income continuity: length in the trade, multi-year average, temp work, end of probation, documents that unlock it.
• Mortgage for self-employed professionals or micro-entrepreneurs: two or three financial statements to borrow? Years in business, micro-business deduction, salary or dividends, irregular income: what the bank actually considers, and how to prepare your file.