Buying Property in France: the Process Step by Step

Buying Property in France: the Process Step by Step

BuyingPractical guide
26 July 2026 · 5 min read
Harald Starke
Harald StarkePresident, Riviera Keys

Buying in France is a highly regulated process — which makes it remarkably safe for the buyer. Here are the steps, in order, as we walk through them every week with our Scandinavian clients.

1. The written offer

Once you have found the property, you make a written offer. Signed by the seller, it commits them: the property comes off the market.

2. The compromis de vente

Two to three weeks later, the preliminary contract is signed with the notary, with a 5–10% deposit. Suspensive conditions — including financing — protect you.

3. Ten days to change your mind

French law gives you a 10-day cooling-off period after the compromis, with no penalty and no justification needed. A protection few countries offer.

4. Financing

Allow 6–8 weeks for a French mortgage. Banks lend to EU non-residents, generally up to 70–80% of the price.

5. The final deed

Three to four months after the compromis, the acte authentique is signed at the notary’s office and the keys are yours. Notary fees run about 7–8% on resales, 2–3% on new builds.

Who protects you?

The notary is an impartial public officer securing the transaction for both sides; your agency guides you at every step — in your own language at Riviera Keys.

Ready to start? Browse our properties for sale or our town-by-town comparison.

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