Page 0015

"We found our perfect hideaway in the

Dordogne with the help of Juanita Franke,

who knows the area well. Our beautiful stone

house is situated in a pretty hamlet. It's just a

short drive away from the picturesque town

of Sarlat, with its wonderful Medieval architecture

and bustling Saturday market. We love

spending time in this region of France because

the tranquility, breathtaking scenery, superb

cuisine and welcoming local people provide

the perfect antidote to our busy lives in the

UK."

LEA & OLIVER CRABTREE

"It's very

important

that you fully

understand the

implications of

all the documents you

are

asked to sign.

Our contracts

team has worked

with dozens of

notaires right

across Gascony

and they all have

different ways of

doing things."

Yvonne Russell,

area coordinator

Midi-Pyrénées

yjrussell@leggett.fr

LEGGETT IMMOBILIER - LOCAL KNOWLEDGE YOU CAN TRUST 15

We can also help organise

mortgages, insurance, connection to utilities and all the other

necessities as you settle in.

COMING TO VIEW

We know your time is precious.

If you're coming to France to

look for a house, you'll find

that working with Leggett

really makes a difference. Once

you've decided what you want,

our in-house call centre team

can arrange a full itinerary with

our local agents - and even

organise accommodation for

your stay.

MAKING AN OFFER

When you find your house,

remember that the property

could well be listed with several

agents and there may be

other interested parties. Don't

lose it! You must make an offer.

Once your offer is accepted,

the agent or notaire will draw

up the initial sales contract -

known as the Compromis de

Vente. After signing this, you

have a seven-day cooling off

period. The sale then becomes

a binding contract, so make

sure you fully understand the

contract details: what exactly is

included in the offer; the results

of the diagnostic tests; all the

costs incurred; any mortgage

requirements. Your agent and

our in-house Leggett legal team

will be able to explain everything to you.

At this stage, you must

normally make a 10% deposit. Following

this, the notaire

- who acts for both parties

- will check the records and

documentation regarding the

property. Two to four months

are generally necessary. It

may move more swiftly if both

parties agree, and the notaire

can conduct documentation

searches without delay.

MORTGAGES

Our advice is to begin the

mortgage process before you

start house hunting so that you

know your financial position.

Our team works with brokers

and banks and can advise you.

With mortgage rates still set

at historically low levels, it can

prove very attractive to buy in

France. One word of caution,

however: if mortgage rates rise

in the future, you'll need to

service higher repayments.

COMPLETION

The completion date shown

in the Compromis de Vente is

only a target date to allow you

to plan for removals and funds

transfers. This date must be

reconfirmed as completion

draws nearer. The actual completion date is when both parties

attend the notaire's

office

to sign the Acte Authentique -

although you can usually nominate a proxy

to sign on your

behalf by power of attorney.

Once this is completed you will

be given the keys. The house is

officially yours.

TRANSFERRING FUNDS

The purchaser must ensure

that the balance of the money,

including the professional fees,

reaches the notaire's account in

time for clearance before signature.

You should allow five days

for this. We recommend using

a currency exchange company,

as variable rates can have a big

effect on the actual sum required.

Leggett has established

relationships with reputable

currency companies.

TAXATION

You must pay two annual taxes.

The Taxe d'Habitation is the

residence fee imposed on the

occupier of a property, while

the Taxe Foncière is the

property ownership tax. Your

agent can explain these and

tell you the annual cost of each

for the house you want to buy.

If you live here permanently,

you will also become subject to

French taxation. Take specialist

advice for this.

MOVING TIME

Leave it to the professionals.

Speak to more than one

company and get competitive

quotes including packing and

unpacking. Once you arrive, all

that remains is to welcome you

to your new French life.

Bienvenue en France!

For more information on buying a

house in France contact our call centre

team at info@leggett.fr or visit our

website www.leggettfrance.com

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