Country guide

    Buying a home in France

    Buying a home in France means the most buyer-protective process in Europe, and the most rigid one. The paperwork is heavy, the notaire runs the transaction, and there is a statutory cooling-off period that genuinely lets you change your mind. The trade-off is a system with very few nasty surprises late in the day.

    A view from France

    The short version

    Can foreigners buy?
    Yes, no restrictions
    Notaire fees (older property)
    Around 7-8% of the price
    Notaire fees (new build)
    Around 2-3%
    Cooling-off period
    10 days after the compromis
    Annual taxes
    Taxe fonciere, plus taxe d'habitation on second homes
    Inheritance
    Forced heirship rules apply

    The compromis and your ten days

    The compromis de vente is the binding preliminary contract, usually with a 5-10% deposit. From the day you receive the signed copy you have ten days to withdraw for any reason and get the deposit back. After that the exit routes are limited to the conditions suspensives written into the contract - typically mortgage approval, planning searches and pre-emption rights.

    Always include a mortgage condition if you are borrowing, even if you expect to pay cash. It costs nothing and it is the cleanest exit available.

    Notaire fees are not just the notaire

    What the French call frais de notaire is mostly transfer tax collected on behalf of the state. On an older property expect around 7-8% of the price; on a new build it drops to roughly 2-3% because VAT is already in the price. The notaire's own remuneration is a small, regulated slice of that total.

    One notaire can act for both sides. You are entitled to appoint your own at no extra cost - the fee is split between them - and most foreign buyers should.

    Figures are typical ranges rather than quotes. Confirm your own numbers with a local notary, lawyer or tax adviser before you commit.

    Surveys and diagnostics

    France does not have a British-style structural survey culture. Instead the seller must supply a dossier of diagnostics: energy performance, asbestos, lead, termites, gas, electrics, drainage and natural risk exposure. These are useful but they are not a structural assessment. On an old stone house, commission your own building survey.

    Inheritance is the thing people ignore

    French forced heirship reserves a share of the estate for children regardless of what your will says, and it applies to French real estate. There are planning routes - an SCI company, a tontine clause, matrimonial regime changes, or electing your national law under the EU succession regulation where eligible - but they must be set up at or before purchase. Raise it with the notaire on day one, not after.

    Running costs of a French home

    Taxe fonciere is paid by the owner. Taxe d'habitation has been abolished for main homes but still applies to second homes, and many communes have voted surcharges on second homes in high-demand areas. Anyone buying a home in France as a holiday property should factor both in before modelling a rental return.

    French homes on our current list

    A live sample from Provence, the southwest and the French countryside.

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    Vetted for foreign buyers

    Every home is checked for the things that stop overseas purchases: access, planning history, habitability.

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    Buying a home in France: common questions

    How much are notaire fees in France?

    About 7-8% of the price on an existing property and 2-3% on a new build. Most of that is transfer tax, not the notaire's fee.

    Can I really cancel after signing in France?

    Yes. Buyers have a statutory ten-day cooling-off period after receiving the signed compromis de vente, with the deposit returned in full.

    Do I need my own notaire?

    Not legally, but you can appoint one at no additional cost because the fee is shared. For a foreign buyer it is worth doing.

    Will my children automatically inherit my French house?

    French forced heirship reserves a portion of the estate for children. Structuring options exist but need to be arranged at the time of purchase.

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    We have carefully selected the information on this page, but we cannot guarantee that every detail is accurate. Please verify any legal, financial, or property specifics independently before making decisions.