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The French Property Network

Dec 21

Top Tips for safe winter driving

One would have thought the festive season was a time to be cosy at home but a surprising number of people travel to their favourite destinations to enjoy the 'holiday' season. Those with the idea of buying a holiday home take the opportunity of house hunting during the Christmas break and this year seems to be a bumper year for Cle France clients viewing before, during and after the Christmas holidays.

So with this in mind we bring you some top tips to prepare you for winter driving in France.

Winter-related car insurance incidents typically increase from late October, but there are plenty of simple steps that you can take to prepare for safe winter driving.

Before you venture out in the car as the chill sets in, ask yourself the following three questions:

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1. Is your car ready for winter?

Darker nights and adverse weather conditions can make driving particularly hazardous in winter months, but making sure that your car maintenance is up-to-date could help you to avoid an accident.

Check your windscreen, door locks, lights, brakes and mirrors are all clean and in good working order

Inspect the walls, pressure, treads and look for any splits on all of your tyres, including the spare one

Make sure that your insurance covers you, your passengers and the contents of your car. Breakdown cover is an additional option on car insurance policies do you have yours up to date?

2. Do you really need to travel?

Nobody wants to have their plans disrupted by the weather, but venturing out in the snow and ice can be both risky and expensive.

The most common claims over the winter period relate to cars skidding on ice or leaves, usually damaging the suspension as they hit the kerb.

If you do think that you need to travel, the Highway Code states that before you set off you must:

Be able to see. Clear all snow and ice from all your windows

Make sure that lights are clean and number plates are clearly visible and legible

Make sure the mirrors are clear and the windows are de-misted thoroughly

Remove all snow that might fall off into the path of other road users

Check your planned route is clear of delays and that no further snowfalls or severe weather are predicted.

3. Are you prepared for an emergency?

It’s great to have comprehensive car insurance, including breakdown cover, but make sure that you keep your policy number and rescue details in the car.

No matter what time of the year it is, it’s also a good idea to leave a high-vis jacket, warning triangle, first aid kit and torch in your car, some of these are essentials when driving in France.

During winter months, you’ll need to add de-icer and screen wash. Just in case you do have to wait in your car in the cold, it’s wise to keep blankets, food and water in your vehicle too.

Top tips for safe winter driving

If your journey is essential, try to allow yourself extra time. Keep a careful look-out for pedestrians who may be walking on the road instead of treacherous pavements and remember that it takes 10 times longer than usual to stop in the ice and snow.

Gentle, steady manoeuvres are essential for safe driving. In wintry conditions your vehicle may not behave as it usually does, so avoid harsh braking and acceleration, or sharp steering.

If conditions worsen while you’re out, try winding down your windows to look and listen for approaching traffic. If you cannot see, pull over until it’s safe to continue.

Don’t forget:

Thieves love the opportunity to steal a car left trustingly unlocked outside as it warms up. If you don’t have time to wait in the car as your windscreen thaws, try placing an old bed sheet or cover under your windscreen wipers overnight to prevent frost forming.

There’s no substitute for driving safely and checking that your car is well-maintained.

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Blog submitted by: Alex at The French Property Network - Cle France.

Some content taken from UK Nationwide Building Society website.

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Nov 12

Your Questions Answered

With the £ Pound recovering this week after a big dip and the political landscape starting to calm down a little, it offers some more stability to peoples plans to find a new life abroad. We find that everybody's reasons to move to another country are so varied that we are surprised most days, and it is true that this week we have seen a rise in viewing request from our American friends! seems like France is a popular choice for those not looking for the cold Canadian climate!

Closer to home we thought we would bring together some frequently asked questions and answer them for you, some of the information below has come from our friends over at 'The France Show' which is due to take place at London Olympia from 27-29 January 2017, we recommend a visit to this the biggest 'all things French' show in the UK, if nothing else it is a great day out but also you can pick up French food products and even a property if you are feeling flush on the day!

How has Brexit affected property buyers?

The UK’s decision to leave the European Union has understandably caused concern and uncertainty among British buyers considering a property purchase in France. Yet while the exact implications of the result are still unclear at this stage, British buyers will continue to be able to buy in France and property experts have expressed confidence in the continued growth of the French property market.

Will I still be able to buy property in France?

Brits visited and bought property in France long before the UK was part of the EU, and will still be able to do so.

Buyers from non-EU countries including the USA, Australia and Chine consistently invest in French property without problems. The existing process of buying a property in France is the same for French, EU and non-EU residents.

Furthermore, British buyers are an important element of the French property market, accounting for 34% of sales in 2015, and it is unlikely that France will want to damage this by making it too difficult for Brits to buy property.

Will I still be able to get a French mortgage?

British borrowers are the largest single overseas nationality who borrow from the French retail banks so it is unlikely that French banks will introduce tougher criteria for Brits who want a French mortgage. French mortgage rates are currently at historic lows and some Brits who were cash buyers are now taking out a French mortgage as a way of mitigating the effects of volatile exchange rates.

Make a no-obligation mortgage enquiry here

Will I still be able to live in France?

As EU citizens Brits can currently live and work anywhere within the EU without having to apply for permission and this will continue until the UK officially leaves the EU. It seems unlikely that this freedom of movement will continue after the UK has left the EU but there are a large number of French people living in the UK so it seems likely that a bilateral agreement between France and the UK will be reached.

Sterling rallies on uncertainty in Europe and the USA

After weeks of turmoil, sterling has emerged as the main benefactor of uncertainty in Europe and more recently the USA, following a clear swing from the popular ruling establishment.

Risk averse markets have pushed sterling up against most major currencies.

Saturday 12th November at 10:30 £1.00 GBP = 1.16 EURO

For more information on the currency service we can provide please feel free to contact Ben Amrany from FC Exchange follow this link or phone and ask for myself and quote "Cle France" on 020 7989 0000.

You may contact me directly using this form (click here) with your requirement and I will explain the options that are available to you in getting the best exchange rate.

'The France Show'

Taken in part from 'The France Show' the UK’s biggest celebration of France returns to Olympia, London in January.

The France Show is back for 2017, so whether you’re looking for some travel tips, thinking of buying property in France, hoping to brush up your language skills or want to try regional food and wines, pick up some recipe inspiration or just have a great French day out, you’ll find it all at The France Show at London Olympia from 27-29 January!

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Blog submitted by: David at The French Property Network - Cle France.

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Oct 29

Historically Low Mortgage Rates

French mortgage rates 1.8%, good news for your French property plans.

The French mortgage rates have touched their lowest ever, below 2%, ideal for an investment in France. French mortgages have always been a good option for investors as they are locked for long periods up to 25 years.

Since the pound sterling exchange rate has declined over the last 2 years the French mortgage interest rates have declined also. The interest you would have paid on a French mortgage has therefore declined by over 40% for a 20 year period.

This would mean today’s loss on the exchange rate has been offset by the interest rate decline.

Best rates at the moment can be obtained for a 80% LTV of 1.8% over 20 years, and this rate is fixed for that whole period. This can be obtained for properties all over France.

If you have savings already locked up given yield of over 2% then it’s worth leaving them untouched and obtaining a mortgage instead. You would also be protected by the current trampoline exchange rates we are experiencing presently.

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Cle France Mortgage Options...

Looking for more spending power? 'The Banks' will only try and sell you their own tired products!

For the vast majority of people looking for property in France, and especially non-resident buyers, it is much quicker and much more effective to use the services of a experienced and qualified Independent Mortgage Broker.

An Independent Mortgage Broker will look at your specific circumstances then look through a selection of lenders to find you the best possible Mortgage product for your specific requirements, it is so obvious when you think about it!

We have 2 clear options for you

Option 1 would be a French Bank Mortgage or option 2 is UK Bank Mortgage.

It does not matter if you have not found your perfect French House yet, you can still start planning for when you do buy into your French property dream so in no particular order choose from our 2 options, just think about the one that best suits your circumstances and you can discuss your plans on a 'no obligation' basis, International, UK based or the leading French mortgage arranger.

Both Cle France Partners will be willing to advise you on a no obligation basis: 

OPTION 1 : English Speaking French Mortgage Broker

Vous Financer

Aurore Davis is our English speaking French Mortgage broker at 'Vous Financer' the French Mortgage Experts, Aurore is our main English speaking advisor, born in Paris she speaks perfect English as she has lived and worked in London for many years after working in Paris.

Whether you have found the perfect French home for sale or still looking at the options for buying French property, Cle France and Aurore Davis at Vous Financer can help you to find the best mortgage out there.

OPTION 2 : UK borrowing for overseas buying

Stag Mortgages and Cle France working together

Tim Durkin of STAG Mortgages and Insurance services may have the borrowing / mortgage solution for you.

We are proud to work in partnership with STAG Mortgage & Insurance Services. Tim Durkin is your specialist contact in this British owned and managed company.

Contact them by clicking the links above - you have nothing to lose!

For everything you need to know about French property visit www.clefrance.co.uk

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Sep 22

A Place in the Sun LIVE Weekend

A Place in the Sun Exhibition

There’s now only one day to go until the doors open at the "A Place in the Sun Live" Exhibition at the NEC in Birmingham and it is sure to be a jam-packed weekend!

If you don't already know, the show takes place this weekend between the 23rd - 25th September 2016.

They have got lots of exhibitors from around the world, a French Village, country pavilions, a chock-a-block seminar schedule and the stars of the TV show will be passing on top tips and advice on buying property overseas.

It’s going to be a great weekend so don’t miss it.

What is going on at the Exhibition?

Property agents covering a wide range of countries

Expert currency, tax and legal advice

Free seminars and presentations from industry experts

A chance to hear from and meet the TV stars Amanda, Jasmine, Jonnie and Laura

A wide range of Spanish agents

The specialist French Village

The Italian Pavilion

The Portugal Pavilion

The Florida Pavilion

A Place in the Sun Hub

A chance to take a screen test for the next TV series

A free copy of A Place in the Sun magazine

Cafe.

Cle France - The French Property Network is of course on-line 24/7 with 8000+ properties for sale in France and lots of information about the Buying Process and more.

Contact us to help find the perfect property for you and feel free to take a look around the website at our fantastic properties.

MAKE SURE you are on our Mailing List to get regular updates on the French Property Market.

A Place in the Sun Live takes place at NEC Birmingham between the 23rd - 25th September 2016.

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Blog submitted by: Alex at The French Property Network - Cle France.

 

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Jul 1

Is The Future Of The EU French?

The recent Brexit vote in the UK has left many people wondering about the future of the EU. One aspect in particular has been questioned: the role of l’anglais (English) now that the UK is no longer a member, and the role of the other langues de travail (working languages), French and German.

The role of French in the EU has greatly diminished since its creation. Les Français (the French) were not always pleased with this and until recently were sometimes very vocal about the issue. L’ex-président français (the former French president), Jacques Chirac, famously left une reunion (a meeting) à Bruxelles when the French businessman, Ernest-Antoine Seillière, said:

"I will express myself in English because it is the language of business"

Jacques Chirac was not impressed.

Any linguistic tension has mostly died down in the past decade, although les Français are still known to make mistakes. It has become almost universally accepted that l’anglais is the main langue de travail.

Cependant, tout a changé !

However, is everything about to change?

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Is The Future Of The EU French?

According to EU law, members are allowed one official language, and seulement le Royaume-Uni (only the United Kingdom) chose l’anglais as its official language in the EU.

Mais il y a d’autres pays anglophones dans l’Union européenne ?

But there are other English speaking countries in the European Union?

Tous les autres pays anglophones (all the other English speaking countries) chose a different language as their official language dans l’UE.

L’Irlande (Ireland) chose le gaélique irlandais (Irish Gaelic)

Malte (Malta) chose le maltais (Maltese)

Le Chypre (Cyprus) chose le grec (Greek)

Having one of those countries change their language or adding l’anglais as a separate official language would be very hard to do.

Changing a language would require a unanimous vote, and it’s always difficult to get tous les pays (all the countries) to agree on something.

Allowing un pays (a country) to have two official languages or allowing a non-member language into the EU would open up the question for other languages used throughout the continent like le catalan, le corse, le russe, etc (Catalan, Corsican, Russian, etc).

The other issue is that en pratique (in practice), l’anglais is the most commonly used language across Europe. It is also the most commonly used langue de travail in l’Union européenne (with the notable exceptions of le parlement européen à Strasbourg and la Cour de justice européenne).

L’anglais is also spoken as a second language by environ (about) around 38% of Europeans. However, le français is spoken natively by environ 80 millions de personnes en Europe and l’allemand (German) by environ 100 millions de personnes en Europe.

Cela dit (that said), it looks like l’anglais will continue to be used as la langue véhiculaire (the lingua franca) of Europe and l’Union européenne, but the recent vote au Royaume-uni raises questions about the legality of its continued use.

En tout cas (in any case), the role of le français dans l’Union européenne will likely be discussed while these changes take place.

Cle Mortgages

Blog submitted by: Alex at The French Property Network - Cle France.

This blog was originally posted on The French Language Blog pages.

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