Our exclusive advantages
In addition to the personalised customer services we provide, our commitment to client satisfaction and our innovative product solutions, we further offer the exclusive advantages listed below that would allow you to get the most out of your mortgage.
Multilingual advisers
Our multilingual and multicultural advisers are more than happy to assist you throughout your home buying project, from the initial search for the best mortgage solution right up to the payment of your final instalment. We provide services on a daily basis in English, Dutch, German, Italian and French.
Mortgage offer in English
All these specific conditions are indicated in your French loan offer which we are pleased to issue together with an English translation. We understand that you may feel more comfortable with an English translation and our aim is to make your home buying experience as easy as possible for you.
Interest only mortgage
We offer a wide range of products and services to our customers, notably our Interest only mortgages present a number of exclusive advantages a number of which are listed below:
- We can lend up to 75% of the purchase price.
- You have the option between variable and short term fixed rates.
Monthly repayment adjustments - Flexibility when you need it!
After the first year of your mortgage, you may request, once every 12 months, a change in the amount of your instalment. You may increase monthly payments by up to 30% of the previous instalment amount. It is also possible to decrease monthly payments providing that:
- the reduced monthly instalments do not fall below the initial instalment amount agreed upon when the loan was signed
- the duration of the loan does not extend beyond that which was initially negotiated
Early capital repayments*
Capital repayments are possible at any time in minimum amounts of 10% of the original capital borrowed. Conditions are indicated in the loan offer.
Switch from variable interest rates* to fixed interest rates whenever you wish
You have the option to switch at any time from a variable interest rate mortgage to a classic fixed interest rate mortgage for the remaining term of the loan.
* Conditions vary according to the BNP Paribas International Buyers mortgage product chosen. Mortgages are subject to conditions. Please refer to the “Summary Guide” document for further details.