Archive for the ‘Financial Advice South France’ Category

« Older Entries

French mortgages and why its a good time to buy

Tuesday, December 14th, 2010

We’re coming towards the end of 2010 and what a year it has been….! The French property market has had a real turn around following the difficulties of 2009 and prices have definitely started to stabilise in most areas and we have even seen an increase in prices in certain parts of France, particularly for property in Paris and French Riviera Property.

French Riviera property is still a great investment. French Mortgage interest rates are at one of the lowest levels seen in France for a long time. Property prices are moving upwards as we have said but there are still some great bargains to be had along the Riviera in areas such as  Mougins, Grasse, Valbonne, Biot, Antibes, Nice and Cannes. Whether you are looking for a property in beautiful condition or you don`t mind renovating your French property, there are some good deals to be found.

France was recently named for ther fifth consecutive year as ” The best place in the world to live”  by International Living Magazine.  When you take into account the quality of life, the beautiful scenery, the culture, the cuisine, the health system and the infrastructure in general you can start to see why. On top of this, on the French Riviera you also get the climate of course with more than 300 days of sunshine per year and the nearest ski station less than an hour away for the snow lovers amongst us.

If you’re thinking about buying a  Cote d`Azur property and securing a low rate French Mortgage then it is advisable to speak to an independent Mortgage broker on the French Riviera. It is important that the broker is independent so you can get unbiased Financial advice, the mortgage advisor should deal with all of the lenders and offer advice on all of the bank rates available.

 Ellisium partners’ mortgage partner is Tim Yates of the Spectrum group. He has been based on the Riviera for many years and works with clients from all over the globe. All of our partners are specialists in their area of expertise, we work openly and honestly with our clients and ensure we offer the highest level of service.

Whether you are looking to buy, rent, build, renovate, finance or sell your French Riviera property, our partners are here to help you every step of the way. For more details visit www.luxurypropertypartners.com

Share

Tags: , , , , , ,
Posted in Financial Advice South France | Comments Off

French Property to renovate – Mortgage advice

Friday, December 10th, 2010

SOME WORDS OF ADVICE FROM ELLISIUMS MORTGAGE PARTNER – THE SPECTRUM GROUP

I am currently considering buying a property on the French Riviera and I would like to renovate it. I have the money available to buy the French property and complete the work, but I would also like to know what the options are for French mortgages?

The thought of renovating a property in France is very popular with those who have some time available and are looking to purchase a French property and increase the value of their home.

Firstly, financing a project such as this using a French mortgage is achievable. There are a few points to be aware of however, Here are the three options available to you:

- Using a purchase and renovation mortgage to fully finance the purchase of the property and renovation.

- Using a mortgage to purchase the property and then paying for renovation works yourself. This is only possible if the property is in a habitable state when purchased and/or you have the available funds.

- Buying the property and paying for the renovations in cash and then arranging an equity release French mortgage at a later stage. However, the maximum loan to value will be lower with this option plus the interest rate higher and it’s less tax efficient from a wealth tax perspective (assuming it is a high value property)

If you are looking to finance the renovation with a French mortgage, the work needs to be carried out by qualified and French registered builders. This will ensure that the work is completed to a certain standard in the eyes of the lender.

The  benefit to using these qualified contractors is that they will have to have comprehensive insurance to cover all of their work. Quite often it pays to have a French architect or building company to oversee the works to a high standard.

When applying for a purchase and renovation mortgage (or renovation mortgage on its own), you will need to submit quotes from the contractors who will be carrying out the work. Once the mortgage is approved, the funds will then be released directly to the French building company by  lender.

Ellisum partners are equipped to help you out with all aspects of buying and renovating a property in the South of France.  Our property search partner Home Hunts, cover the whole market on the French Riviera and can help you to find your property, our finance partners can help with mortgage, tax and financial advice, we also have a currency exchange partner. For renovation, we have architects, builders and interior designers as well as home security and technology specialists and landscape gardeners. We are here to turn your property dream into a reality and it can all be done from one phone call!

Call Ellisium partners today on 0044 486 685 045 or visit the site – http://www.luxurypropertypartners.com/

Share

Tags: , , , ,
Posted in Financial Advice South France | Comments Off

Why do I need a Mortgage to Buy my Luxury Property in the South of France?

Friday, October 22nd, 2010

Riviera Radio and Spectrum IFA  Click on this link and Tim Yates of the Spectrum Group explains why having a mortage can be to your advantage.

As part of our campaign with Riviera Radio Tim Yates of the Spectrum Group is the latest Ellisium Partner to broadcast with the English language radio station broadcasting across the South of France.

Tim is a financial planning specialist and will advise international clients on mortages for their luxury property, life assurance and will also carry out a free financial ‘health check’.

Buying a luxury property here in the South of France is now even better value and the mortgage rates are remaining low. Taking a mortgage to buy your luxury property can also be a more tax efficient way of purchasing your luxury property. Tim will meet with you and discuss all the options available and find the one  that best suits your circumstances. ‘It’s not a sexy subject, but one that is very important when buying a luxury property here in the South of France’ says Tim. ‘Many clients jump into the purchase without proper advice and undoing the mess can be costly and time consuming’. So, as part of the Ellisium Luxury Property Partners The Spectrum Group are on had to help you avoid costly property purchase mistakes and to make the most of your luxury property here on the French Riviera.

Share

Tags: , , , ,
Posted in Financial Advice South France | No Comments »

Is Financial Planning Sexy?

Monday, October 4th, 2010
Tim Yates Spectrum

Tim Yates of the Spectrum IFA Group.

 

So, you’re thinking of buying a luxury property on the French Riviera, the sun, sea and lifestyle of the South of France are beckoning. Then, to bring you down to earth with a veritable bump, you need to think about a French mortgage, even when you speak French that’s going to be a challenge.

Welcome centre stage, Tim Yates of the Spectrum Group who will work with you to ensure that the purchase of your luxury property on the French Riviera and the mortgage for your luxury home in the South of France is all making sense and that the investment is working for you.  What about the inheritance laws in France? What is your tax liability? Are you going to be able to really enjoy your luxury property on the French Riviera or is it going to turn into a headache? Working with Tim Yates and the Spectrum Group then all these questions can be answered and Tim can structure the mortgage and purchase of your luxury property on the French Riviera in the way best suited to you and your circumstances.

Probably not the most sexy of subjects, but definitely one of the most essential to think about before buying your luxury property on the French Riviera.

Share

Tags: , , ,
Posted in Financial Advice South France | No Comments »

Buy Luxury Property in France – Historically Low Mortgage rate

Monday, August 30th, 2010
Luxury Villa South of France

Buy your dream home in the South of France

With fixed rate mortgages at their lowest interest rates since 2005, now is the best time to buy your luxury property in France. With property prices perhaps a little more ‘negotiable’ on luxury properties then Ellisium Partners are experiencing an upsurge in enquiries from international buyers looking to buy a luxury property in the South of France.

Buyers are able to fix mortgages rates for 20 years, making their luxury property in the south of France now more affordable than ever. But beware, low mortgage rates can only increase demand and that means luxury property prices are set to rise.  If you are thinking of investing in a luxury property on the French Riviera then speaking with Ellisium Partners will ensure that you find your perfect property and that financing your dream home is easy.

Our mortgages specialist, Tim Yates of the Spectrum Group will be delighted to discuss your mortgages requirements and help you to take advantages of these amazing rates.

For an a la carte of services for your luxury property in the South of France, contact Ellisium Partners.

www.luxurypropertypartners.com

Share

Tags: , , ,
Posted in Financial Advice South France, Luxury properties for sale South of France | No Comments »

See Ellisium in the Riviera Times

Friday, April 16th, 2010

Have you seen the latest edition of the Riviera Times yet? If so, you can`t have failed to notice our eyecatching advert in pride of place on the front page!

Riviera Times has been a favourite with expats throughout the Riviera for many years now and it was a natural choice for us to advertise with them as part of our French Riviera campaign. You can find the paper at most good newsagents throughout the region as well as any of the British bookshops and foodstores etc.

If you are looking to buy, sell or improve your luxury French Riviera property, let us know, we are here to help where we can in any of the following areas:

Property Search and advice throughout the whole buying process
Property Sales
Property Management
Property Rentals
Property Finance and Mortgages
Tax and Legal Advice
Wealth Planning
Currency exchange
Architectural services
Project management for new build properties
Security systems and Alarm Installations
Home Technology, IT and Network Installations
Audio Visual Systems
Home Automation and lighting Systems
Interior Design – from a single room to an entire property
Garden Design and Maintenance
Pool Design and Construction

In fact, anything that you need for your luxury home on the French Riviera

Share

Tags: , , , , , , , , , ,
Posted in Communications and entertainment systems South France, Currency exchange France, Financial Advice South France, French Tax Law French Riviera, Interior designers and architects South of France, Luxury properties for sale South of France, Luxury Property Management, Luxury Rental Accommodation South France, Pool and Garden Design South France, Security, The Luxury Home Alliance | Comments Off

Top Marques – Day one

Thursday, April 15th, 2010

Good evening all,

Top Marques opened its doors to the public at 9.30 this morning and by 13.30, there had been over 10,000 visitors including a large number of celebrity and VIP guests.

Our stand did eventually show up…… in Dublin….. and because of the current volcanic smoke issues there is no chance of it reaching us before Sunday, but did we let this defeat us? Of course not! We had to call in a lot of last minute favours (A big thank you to Tangram in Cannes for all of their help with creating amazing graphics at such short notice)

Our stand is located on the entrance level of the Top Marques show alongside many other luxury brands and we had a huge amount of visitors today from all over the world, all interested to find out about this new concept. The Luxury Home Alliance is certainly proving popular.  We had interest all day from clients and other exhibitors keen to find out more about Ellisium partners. Today was also press day and we were visited by a wide range of media including magazines, radio and television channels. Ellisium director, Maria McLean was interviewed live on a few occasions which added to the excitement of the day. 

If you are looking to buy or rent a luxury French Riviera property or if you have a property you wish to sell, let, extend or improve then let us know. We have interior designers, landscape gardeners, pool designers, audio visual, home automation and security specialists, we also have mortgage, wealth management and tax specialists as part of our group. Whatever you need, we can help!

We were given some more passes today for the show so if anyone wishes to visit the show tomorrow, Saturday or Sunday, just send a mail to info@ellisiumpartners.com and we will save one for you.

Here are one or two more photos of the cars on display in the main hall: (thank you to www.resolution06.com )

We look forward to seeing you in Monaco over the next few days, don`t be afraid to come and say hello. If you drop off your business card you will also have the chance to win a magnum of Champage!

ELLISIUM PARTNERS INCLUDE:

www.home-hunts.com
www.rivieraone.com
www.riviera-luxury-villas.net  
www.fgdesign.fr
www.celticgolf.net
www.spectrum-ifa.com
www.foremostcurrencygroup.com

 

Share

Tags: , , , , ,
Posted in Communications and entertainment systems South France, Currency exchange France, Financial Advice South France, French Tax Law French Riviera, Interior designers and architects South of France, Luxury properties for sale South of France, Luxury Property Management, Luxury Rental Accommodation South France, Pool and Garden Design South France, Security, The Luxury Home Alliance | Comments Off

Who are the Spectrum Group?

Wednesday, March 24th, 2010

 

The Spectrum IFA Group was founded in 2003 by a group of financial advisers who have worked together since 1994

Now one of Europe’s largest independent cross border financial advisory brokerages with over 40 consultants covering France, Spain, Portugal, Switzerland, Luxembourg and the Netherlands.

Spectrum France is run by Tim Yates, who is the Development Director for France. Tim is also an independant financial advisor on the French Riviera as well as managing the team throughout France. Spectrums size enables them to secure preferential deals for clients and their independence means that, unlike some of their competitors, they are not tied to any particular product provider. This means that they can give their clients completely impartial and objective advice. Spectrum group are regulated, licensed, and insured in all the jurisdictions they operate in.

The Spectrum group offer a full range of financial services on the French riviera from tax efficient savings and investments through to life and critical illness protection, mortgage advice and pension planning. They work closely with accountants and tax lawyers to find optimal wealth planning solutions for their clients who see them as a “one stop shop” for all their financial planning needs.

The way Spectrum operate is to sit down with a prospective client, look at a freeze frame of where they are now financially, understand what their objectives are and where they want to be in the future, determine their time scale and ascertain the resources they can deploy to achieve their goals. They then make recommendations, formulate a plan with them and help them implement it. Spectrum do not charge fees and there is no obligation to adopt their plans.

If you are an expat in France, your financial planning will need to meet your personal requirements within the very specific French tax and legal frameworks. Our internationally qualified, professional advisers are readily available to make certain you receive expert advice and superb service, bringing you peace of mind. A very important part of this service is to provide ongoing advice. This longer term approach means that you will continue to know that you will continue to be in good financial shape even if your circumstances change, the tax laws change (which happens often) or simply if economic conditions change

If you are looking for mortgage advice on the French Riviera, financial planning help or any expat financial services then speak to Tim Yates today.

Tim Yates
Tel +33 6 15 33 60 83

 

 

Share

Tags: , , , , , ,
Posted in Financial Advice South France | Comments Off

See the French Riviera in the 1930`s

Monday, March 22nd, 2010

Wonderful video footage of the French Riviera in the 1930`s

YouTube Preview Image

This video is really charming and gives you an excellent flavour of the Riviera back in the 1930`s. One of the most interesting things is to see how little the Riviera and Monaco have changed in all of these years.

Of course, there are more properties on the French Riviera now compared to 80 years ago but the coastline remains as beautiful today as it ever was and really needs to be seen to appreciate.

This video travels up the coast from St. Tropez and includes towns such as Cannes, Antibes, Nice, Saint Jean Cap Ferrat and Monaco

Have a look at the video, we`re sure will agree, it is 20 minutes well spent. For all of the latest on the property market along the French Riviera or for advice or assistance with your luxury French Riviera property, contact Ellisium partners today, we can help you with all of your property needs

www.ellisiumpartners.com

Share

Tags: , ,
Posted in Communications and entertainment systems South France, Currency exchange France, Financial Advice South France, French Tax Law French Riviera, Interior designers and architects South of France, Luxury properties for sale South of France, Luxury Property Management, Luxury Rental Accommodation South France, Pool and Garden Design South France, Security, The Luxury Home Alliance | Comments Off

Spectrum Finance and Ellisium Partners

Thursday, March 18th, 2010

Ellisium Partners are proud to announce that the Spectrum group are the mortgage and finance partner on the French Riviera. The Spectrum group are specialists in financial planning on the French Riviera

Financial Planning covers many aspects including international pensions, investments, wealth management, Mortgages and much more

You can visit their website at www.spectrum-ifa.com  to find out more…

Share

Posted in Financial Advice South France, The Luxury Home Alliance | Comments Off

« Older Entries