Mortgage in France 2026: Insurance Switching and Sources
This guide sets out the French mortgage points that we confirmed on official pages on October 6, 2026: your right to change borrower insurance after signing, and how to check a broker. It does not quote market rates, notary fees, debt-service limits or legal time limits, because we could not confirm current official figures. The page tells you where to find them.
Key Takeaways
- You can change your borrower insurance at any time after signing the loan (Service-Public F1671).
- The lender has 10 business days to respond to your substitution request (Service-Public F1671).
- Check any broker on the public ORIAS register before you share documents.
On this page
Changing your borrower insurance
Service-Public states that you can change insurer (assurance emprunteur) at any time after signing the mortgage. You send the lender a substitution request, and the lender has 10 business days to respond. The official guidance is published on Service-Public.fr (page marked verified on 20 May 2025).
Checking a mortgage broker
Banking intermediaries (IOBSP) are listed on the public register kept by ORIAS, which lets you check that an intermediary is authorised. Look the broker up before you share documents or sign.
Figures to check on official sites
The figures below change over time and are not quoted on this page, nor are the debt-service limit, the maximum loan duration and the legal time limits in a home purchase. Read the figures at the source on the day you decide, and ask your lender or a notary for the time limits that apply to your purchase.
- .Mortgage rates: the Banque de France publishes its statistics at https://www.banque-france.fr/en/statistics.
- .Notary fees: the notary profession publishes its information at https://www.notaires.fr.
- .Prêt à taux zéro (PTZ): current conditions are on https://www.service-public.gouv.fr/particuliers/vosdroits/F10871.
If you are new to France
The points above are the ones we could confirm on official pages. We have not confirmed against an official source which documents lenders ask from non-residents, whether foreign documents are accepted as they are, or which lenders serve English-speaking clients. This page therefore does not list them.
Before you apply: ask each lender or broker for its list of required documents in writing, and ask whether your foreign documents are accepted.
Frequently asked questions
How long does my lender have to answer a request to change borrower insurance?
How can I check a mortgage broker in France?
Official sources (accessed October 6, 2026)
- Service-Public.fr, changing borrower insurance (F1671): https://www.service-public.gouv.fr/particuliers/vosdroits/F1671
- ORIAS, register of intermediaries: https://www.orias.fr
- Banque de France, statistics: https://www.banque-france.fr/en/statistics
- Notaires de France: https://www.notaires.fr
- Service-Public.fr, prêt à taux zéro (F10871): https://www.service-public.gouv.fr/particuliers/vosdroits/F10871
Related articles
Disclaimer: This article is for information only and is not personalised financial or legal advice. Rules and figures change, so check the official sources listed above and ask your bank, a registered broker or a notary about your own situation.