Monaco Mortgages
Nestled along the captivating French Riviera, the Principality of Monaco holds a distinctive status and renowned for it’s opulent lifestyle, world class amenities, and breathtaking Mediterranean views.
Monaco Mortgages
Nestled along the captivating French Riviera, the Principality of Monaco holds a distinctive status and renowned for it’s opulent lifestyle, world class amenities, and breathtaking Mediterranean views.
Knowledge & Expertise
Monaco, as a sovereign entity, possesses a unique and exclusive status that significantly adds to its allure, making it an iconic enclave synonymous with opulence and prestige.
The principality’s autonomy and distinct position not only underscore its status as a haven for wealth but also contribute to the magnetic charm that sets Monaco apart as a symbol of luxury and affluence.
How we can help
Retail Banks
Mortgage range: €1,000,000 – €10,000,000
Loan to value (LTV).
- Up to 80% LTV for Monaco residents.
- Up to 70% LTV for US nationals (best case scenario).
Duration of mortgage facility.
- Maximum 20/ 25-year term (subject to age of borrower)
*Interest only solutions available subject to placing assets or cash with lender for the duration of loan period.
Key Considerations
Mortgage Capacity
Proof of income
Proof of income over a 2-year period (average net income) and not suitable for entrepreneurs.
Holding structure of property
Age of borrower
Age of borrower – not suitable for borrower(s) over 60 years or retired.
Differed mortgage repayment
Mortgage insurance
Private Banks
Mortgage range: €2,000,000 +
Private banks often cater to high-net-worth individuals (HNWIs) by providing custom-tailored credit and lending solutions with favourable terms and conditions.
HNWIs benefit from exclusive banking services, such as dedicated relationship managers, financial planning, and a range of tailored wealth management solutions.
- Up to 100% LTV.
- Interest only.
- Partial capital and interest to be included at request of borrower(s).
- Maximum 10-year term.
- Assets Under Management (AUM) required to support mortgage solution (case by case).
- Up to 50% LTV renovation work available post purchase.
It’s important for HNWI to choose a private bank that aligns with their financial goals and preferences. The relationship between a private bank and it’s client is often built on trust and deep understanding of the financial situation and objectives of client.
Key Considerations
Interest only
Mortgage capacity
Family office
Wealth management
Banking fees
Mortgage insurance
Privacy and confidentiality
Disruptive Bank
Mortgage range: €1,000,000 +
Flexible mortgage products are available with a handful of financial institutions that challenge traditional lenders.
Interest only
- Property held in a Monaco SPV only (not personal name).
- Up to 65% LTV for prime lending location (case by case)
- Up to 50% LTV renovation work available (post purchase).
- Interest only.
- Maximum 5-year term.
- Cash reserve required with lender.
