Employees:
Monthly net income (gross income-social security deductions) confirmed by the latest Pay Slip and P60 (or employer's letter) + the average of regular bonuses or overtime (with 2 or 3 year record) confirmed via P60s or employer's letter.

Self employed (Partnership or Sole traders):
Average of last 2 years' taxable net profits (last 2 Tax Returns). This can be completed by the latest business balance sheet and profit and loss account if more recent.

Self employed (via Limited Company with > 25% of shares):
Average of last 2 years' dividends and director's salary (last 2 tax returns). This can be completed by the latest company balance sheet and profit and loss account if more recent.

We take into account 80% of the gross rent confirmed by tenancy agreements and visible on account statements.

The rent taken into account must be from residential properties owned directly by the applicant and must exist at the time of the application. This includes rent outside France if suitably proved.

If the purchase in France is for rental ("buy to let"} and if the applicant's total gross rental income exceeds other (professional) income, then we can not assist.

Retirement pensions: supply P60s or certificates from the paying organisations

Applicants aged 55 or over who will retire during the course of the mortgage must supply, if possible, illustrations of the projected pensions sufficient to permit repayment. In the absence of this, we would take 65% of current income.

Offshore income: Supply:
- Letter from the offshore company stating annual remuneration.
- Last 6 months' bank statements showing the income received.