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Overseas Mortgage

Hi Fantastic Intelligent people...!

I was wandering if any one could help.

We were thinking about buying a holiday family home in France that also has a potential to be rent out over the peek weeks of summer and we have seen a few properties that interest us.

There would be about 10 adult family members who would want to purchase something in the region of £ 100 000.

A number of the family members already own their homes outright and do not have a mortgage. Between the 10 of us we would earn well over the approximated value of the property.

How would be the best way to purchase a holiday home. of this value.

Is this even possible to do?

Any feedback or advice would be extremely appreciated.
«13

Comments

  • villa2010
    villa2010 Posts: 293 Forumite
    Has anyone had any experience with this...?
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    In cash would seem the easiest way. Given the number of stakeholders.
  • The_J
    The_J Posts: 1,250 Forumite
    Raise the money in the UK, as Thrugelmir says, and buy it in cash.
    The J is a Financial Advisor-This site doesn't check anyone's status and as such any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Always seek professional advice.
  • villa2010
    villa2010 Posts: 293 Forumite
    Great Idea - How would you do that...?

    Do you mean by taking out equity from the houses which are owned?
  • The_J
    The_J Posts: 1,250 Forumite
    Yeah, remortgage, loan, credit card, selling stuff, savings etc.
    The J is a Financial Advisor-This site doesn't check anyone's status and as such any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Always seek professional advice.
  • villa2010
    villa2010 Posts: 293 Forumite
    What kind of deposit would you need to get a decent mortgage.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    villa2010 wrote: »
    What kind of deposit would you need to get a decent mortgage.

    The deposit isn't the issue. The number of involved unrelated parties would be. As administering the mortgage would be extremely complex. So in all likelihood is a non starter.
  • villa2010
    villa2010 Posts: 293 Forumite
    Thrugelmir wrote: »
    The deposit isn't the issue. The number of involved unrelated parties would be. As administering the mortgage would be extremely complex. So in all likelihood is a non starter.

    I know - Can you not get a mortgage with 4 people on it though...?
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    villa2010 wrote: »
    I know - Can you not get a mortgage with 4 people on it though...?

    Maybe worth giving someone a call that specialises in French mortgages for some general advice. As France does differ to the UK.
  • villa2010
    villa2010 Posts: 293 Forumite
    Thrugelmir wrote: »
    Maybe worth giving someone a call that specialises in French mortgages for some general advice. As France does differ to the UK.

    any one know of any french mortgage brokers that speak English I am embarrassed:beer: to say my French is limited...!
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