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Real Estate - Finding Your Dream Home in France

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					                                               Presented by Daniel Toriola


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                                        Finding your dream home in France - Part 1
                                                              By Oliver Phillips



    Finding your dream home in France - Part 1 by Oliver Phillips


Copyright 2005 Oliver Phillips. May be freely reproduced "as-is" for private and commercial use.

 Buying a home in France can be a complex process. From finding your dream home to relocating to
France there are many hurdles to overcome before you can relax and enjoy the lifestyle and beautiful
environment that France is renowned for. In Part 1 of this series, Oliver Phillips of PFS France (
http://www.propertyforsalefrance.co.uk/) walks you through the process of finding and making an offer
on your dream home in France.

Finding your new French property is the first hurdle. Assuming you have an idea what you want, in
which location and how much you can afford, the easiest route to searching for properties is often via
the Internet using a reputable French property website. The advantages are obvious; a good website
will not only offer a large database of properties currently for sale, they will offer multiple photos of the
property's exterior, interior and grounds together with comprehensive narrative about the property
itself. Also it will often have a search facility through which you can view properties that match your
specific criteria, and often offer additional benefits such as email notification of new properties,
newsletters and other information to help you in your search. Of course the big advantage is that you
can build a shortlist of potential properties without having to visit France, saving you money from the
start. Whether you use the Internet or not, when considering a property, make sure you get photos and
information before you view the property. You can cut down on wasted trips and expense this way.

When buying a property in France, unlike in the UK, it is often normal for the Buyer to pay all the fees.
These comprise the estate agent fee and the notary fee (who perform the conveyance). Fees can be
around 15% of the purchase cost of the property, which on a €150,000 purchase represents an
additional €22,500 in fees. If you can deal direct with the owner, and not buy through an estate agent,
you could save around 6% or €9000 on the same €150,000 property. This is an increasingly popular
option and is possible since sellers are not tied in to a single agent. Again you are likely to find
properties advertised for sale by owner on a French property website such as PFS France.

If you are looking for good value for money, consider looking for property in areas that you haven't

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previously visited and are not familiar with. Certain areas command premiums only because they are
widely known and popular. You can often get an equivalent property in another region for much less.

You should also consider getting to know the area before you buy. Talk to people who have already
purchased their home, holiday in the area, or even rent for a period and meet the neighbours before
you finalise your decision. As with any property purchase, your neighbours will be a part of your life
once you've bought your new home.

Try to negotiate. Contact a local valuer to get an impartial opinion. This will cost money, but will provide
you with a neutral view of the properties value, and possibly a stronger bargaining position so may pay
for itself many times over.

Most importantly, consider taking independent legal advice, through another notary or a UK based
specialist. The vendor instructs the notary who acts in the sale of the property. They are acting in the
conveyance of the title only and not for either side. You would be well advised to appoint a specialist to
act specifically in your interest, and finally, just as in the UK get the property inspected by a qualified
buildings surveyor. Unexpected bills could take the shine off your dream home very quickly.


 Oliver Phillips works for PFS France (http://www.propertyforsalefrance.co.uk/) a business that helps
French property owners advertise and sell, and potential buyers find, some of the finest and best cared
for traditional French properties available.




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                          Your Dream Home in France - Moving Money to France (Part 3)
                                                               By Oliver Phillips



Your Dream Home in France - Moving Money to France (Part 3) by Oliver Phillips


Copyright 2005 Oliver Phillips. May be freely reproduced "as-is" for private and commercial use.

 In Part 3 of this series, Oliver Phillips of PFS France (http://www.propertyforsalefrance.co.uk/) looks at
an alternative way to move money abroad.

If you already live in France, or intend to finance your property purchase from equity in your UK home,
chances are you'll want to move some money abroad.

Transfering money from the UK to France requires someone to handle the transfer on your behalf and
usually your bank will be happy to assist you but beware, though convenient and familiar, your transfer
might cost you more than it needs to.

Instead you may be better contacting a currency house, a company which exists specifically for the
purpose of moving money; both large single amounts for your property purchase, and lower regular
amounts such as a monthly pension.

Transferring money via a currency house is often cheaper than using your bank for two reasons; firstly
their charges may be lower than your banks, but more importantly the exchange rate you receive is
likely to be more attactive than the rate offered by your bank which is typically a tourist exchange rate
and signifcantly lower than the rate you see published in the financial press.

Better yet, both spot and forward methods are available. The former converts your money at the
prevailing exchange rate when the money transfer is made and is the method most of us use
unknowingly, whereas the forward method allows you to fix the exchange rate up to 24 months is
advance of the transfer, useful if you believe the exchange rate will fall by the time you actually make
your transfer.

This article only provides a general appreciation of the topic and it is not advice. Guidance should be
sought from a specialist who is qualified to advise in your specific circumstances.


 Oliver Phillips works for PFS France (http://www.propertyforsalefrance.co.uk/) a business that helps
French property owners advertise and sell, and potential buyers find, some of the finest and best cared
for traditional French properties available.




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