Choosing Mortgage Insurance is about far more than finding the lowest premium. You also need to compare policy guarantees, ensure they meet your lender’s requirements, anticipate any medical underwriting and select cover that genuinely matches your personal profile. For French expatriates, non-residents and borrowers with more complex situations, this process can quickly become challenging. That […]

Changing your Mortgage Insurance has never been easier. Thanks to the Lemoine Law, borrowers can now cancel and replace their mortgage insurance policy at any time, without waiting for the annual renewal date. This reform offers a valuable opportunity to reduce the overall cost of a mortgage, obtain better coverage or adapt your insurance to […]

Buying property in France while living abroad is a common goal for many French expatriates and non-residents. However, obtaining suitable Mortgage Insurance can quickly become one of the most challenging aspects of the mortgage process. From country-specific underwriting restrictions and medical formalities to the sometimes restrictive policies of traditional insurers, international borrowers often face obstacles […]

Obtaining Mortgage Insurance is an essential step when financing a property purchase in France. However, some applicants may face additional challenges during the underwriting process. People working in hazardous occupations, participating in high-risk sports or living with certain medical conditions may be subject to a more detailed risk assessment. Fortunately, this does not mean that […]

When applying for Mortgage Insurance, insurers will usually ask for information about your health. Depending on your age, medical history and the amount you wish to borrow, a simple medical questionnaire may be sufficient—or additional medical examinations may be required. Since the introduction of the Lemoine Law, medical formalities have been simplified in certain situations. […]

Mortgage Insurance protects your mortgage in the event of death, disability or temporary incapacity to work. However, beyond its protective role, it also raises several tax-related questions. Are Mortgage Insurance premiums tax deductible? Are insurance benefits taxable ? What happens if you purchase property through an SCI or an SARL ? The answer depends largely […]

Taking out Mortgage Insurance protects your mortgage against life’s unexpected events. But what actually happens when you need to make a claim ? Whether it involves death, disability or temporary incapacity to work, every situation follows a clearly defined claims process. Understanding how Mortgage Insurance claims are handled helps you prepare the necessary documents, anticipate […]

One of the most common questions about Mortgage Insurance is: who actually receives the money when a claim is made ? Many people assume that the insurance payout goes directly to the borrower’s family or heirs. In reality, the process is quite different. In most situations, the insurance benefits are paid directly to the lending […]

When taking out Mortgage Insurance, three terms appear repeatedly: policyholder, insured person, and beneficiary. Although they are often confused, they refer to very different roles within an insurance contract. Understanding these distinctions is particularly important for French expatriates, non-residents, and borrowers purchasing property through a French property company such as an SCI (Société Civile Immobilière) […]

The cost of Mortgage Insurance can represent a significant proportion of the overall cost of a mortgage. Yet, it is often less well understood than the mortgage interest rate itself. Between insurance rates, the Annual Percentage Rate of Insurance (APRI), fixed premiums, outstanding loan balances and the guarantees included, several factors determine the final cost. […]