The Challenges of Property Transactions in France—And How to Solve Them

By Jay Corless, edited by Adrian Leeds

When it comes to buying or renting property in France, especially as a North American, it’s a unique experience. With its charming and maddening ways, the French property market will test your patience, perseverance, and, sometimes, your sanity.

Unlike the U.S., where a centralized MLS system makes finding properties straightforward, France’s market is fragmented. Properties are scattered across agency websites, independent listings, and private sellers, requiring a keen eye and network to navigate. Add to this the challenge of French real estate agents who work for the sellers rather than the buyers—they focus on selling their specific listings and may not prioritize responsiveness—especially for international clients (who require additional hand-holding).

The bureaucracy in France is legendary, and property transactions are no exception. Buying or renting requires meticulous attention to layers of contracts, disclosures, and notarized documents—all in French, of course. Missteps can cause costly delays or derail deals entirely.

Financing a property in France poses another major hurdle for North Americans and in particular for American (thanks to FATCA regulations placed on foreign financial institutions). French banks operate under stricter rules, requiring extensive paperwork, substantial down payments, and proof of stable income. Navigating these requirements alone can feel insurmountable.

Cultural differences add yet another layer of complexity. In France, things move at their rhythm. Negotiations, property viewings, and even timelines for closing a deal are slower, more formal, and less transparent than many Americans are used to. Without guidance, frustration can quickly take hold.

Understanding the condition of a property and tackling renovations can also be daunting for those drawn to the charm of older French properties. From outdated plumbing and electrical systems to unexpected structural issues, even the most beautiful home can hide costly surprises. Renovations often involve strict regulations, paperwork, and builders who work on a slower timeline.

Finally, there’s the language barrier. While many French people speak some English, legal documents, contracts, and negotiations are typically conducted in French. Misunderstandings here can lead to delays, confusion, or costly mistakes.

The point to all this negative outlook, is that there are enough positive aspects to owning property in France that overcome these challenges. And you don’t want to do it on your own. We preach taking professional advice, because YOU DON’T KNOW WHAT YOU DON’T KNOW!

Whether you’re working with us or other professionals, here’s what you should be looking for from all of us:

• An expert team of consultants to bridge the gap between the North American mindset and the French way of doing things. We don’t just help you find a property—we help you find your perfect property without the stress and frustration that often comes with it.

• An extensive network and expertise. We know where to look, connect the dots, and handle agents on your behalf, ensuring you don’t miss out on your dream property.

• Consultants who can simplify this process for you by managing the paperwork step-by-step, reviewing contracts, and translating the fine print so nothing gets lost in translation. Our thorough approach ensures you’re always well-informed and secure in your decisions.

• Trusted lenders who understand the needs of international buyers. We connect you with the mortgage brokers who have the right banking connections and can guide you through the process from start to finish, ensuring everything runs smoothly and efficiently so you can relax and enjoy the journey without stress.

• Trusted designers, contractors, and project managers who can evaluate and transform properties effectively so your vision comes to life without surprises.

• Fluency in French property transactions. We are all bilingual and bi-cultural. This means that only can we manage the translation of the language, but we can help you cross the cultural divide that can be the biggest hurdle of all. In real estate, as long as you are ensured that you understand every detail, we can act as your voice throughout the process so nothing is overlooked.

With over two decades of experience, and the first in the Paris market to offer these services, we’ve been helping North Americans find their perfect homes in France. Whether it’s a pied-à-terre in Paris, a villa in Provence, a village house in La France Profonde, or a rental apartment overlooking the Mediterranean in Nice…for your next chapter in life…we’ve worked with every sort of client. Almost nothing surprises us anymore!

We, and all professionals who really understand the tasks, take the challenges out of the process so you can focus on what matters most: living your dream life in France. Don’t let the thought of finding your place in France be a nightmare, instead of that dream. Let us handle the obstacles while you enjoy the adventure.

Happy Holidays!

A bientôt,