Yes. Buyers living abroad can finance a flat in Vieil Antibes or Juan-les-Pins, or a villa on the Cap d'Antibes, with a French mortgage, commonly at 70–80% for strong files from the UK, Ireland, the EU or Switzerland and 50–70% for residents elsewhere. Small seaside flats can fall under a bank's minimum loan, while Cap villas often lead to a private bank. If you are moving to work at Sophia Antipolis, the timing of your new contract shapes the file.
Three markets in one town
Antibes and Juan-les-Pins form a single commune with very different districts. In figures PAP published in January 2025, apartments in Antibes averaged €5,033 per m². On the Cap d'Antibes they averaged €8,443 per m², and houses there €15,394 per m². The same report described foreign buyers, mainly British and German, looking at upscale homes on the Cap and in Juan-les-Pins.
For a bank, each district is a different security. A flat in Vieil Antibes, the old town, sells to locals and newcomers all year. A summer apartment in Juan-les-Pins sells mostly to other second-home buyers. A Cap villa sells to a small, international market, and lenders value it with care.
Small seaside flats in Juan-les-Pins
Many buyers want a studio or one-bedroom flat near the beaches of Juan-les-Pins. The price can leave the loan below a bank's minimum for non-residents, commonly €100,000–250,000. Fixed fees also weigh more on the all-in rate of a small loan (TAEG), which must stay under the legal cap: this quarter, 5.40% for loans of 20 years or more. Our TAEG explainer shows what goes into it.
A broker can look for a lender with a lower minimum. Otherwise, paying in cash may cost less than a small loan at a high all-in rate. Summer letting is common here, and since 20 May 2026 every furnished tourist let must be registered through the national online service. Banks rarely count that income, so the repayment has to fit your own earnings.
Moving to work at Sophia Antipolis
The Sophia Antipolis technology park spreads across Antibes, Biot, Valbonne, Mougins and Vallauris. According to the local authority, it hosts about 2,500 companies employing 38,000 people from 64 nationalities.
If you apply while still living abroad, the bank assesses the income you earn now, converted cautiously if it is not in euros. Once you hold a French contract, many lenders prefer any trial period (période d'essai) to be over before they count the new salary, unless you transfer within the same group. Send the signed contract and the start date with your file, and allow for the gap between the job offer and the loan offer when you agree a completion date.
Villas on the Cap d'Antibes
PAP's report gave a median of €2.5 million for a 250 m² sea-view villa on the Cap, a level where private banks come in. They lend in exchange for assets placed with them and can offer interest-only structures. A retail bank may still lend on a smaller villa with a larger deposit.
The wealth tax on property (IFI) applies once your French property is worth more than €1.3 million net, and the debt can reduce the taxable value within limits. French Tax Online can review your position before you commit. Our Côte d'Azur guide explains buying through an SCI, which buyers of larger properties often consider.
Flood maps after the 2015 storm
The storm of 3 October 2015 flooded parts of Antibes and neighbouring Biot, and the State then issued new flood-hazard maps for both towns that take that event into account. Every sale includes a state-of-risks report (état des risques) showing whether the address lies in a mapped zone.
Read it before the compromis, particularly for a ground-floor flat, a garden apartment or a house on low ground. Insurers price the risk, lenders commonly ask for proof of home insurance at completion, and a valuer may be more cautious on the price.
Next steps in Antibes
The eligibility check takes five minutes. Say whether you are buying a small flat, an apartment or a villa, and whether you are moving for work, and we will introduce you to one English-speaking broker who knows which lenders fit. French Notaires in Antibes can connect you with an English-speaking notaire. The mortgage calculator shows the repayment and purchase costs for the price you have in mind.
Your purchase deed is signed before a notaire. French Notaires matches English speakers with a bilingual notaire nearby, free of charge: Notaires in Antibes.
Questions
Can I get a mortgage for a studio in Juan-les-Pins?
Sometimes. Many banks set a minimum loan for non-residents, commonly €100,000–250,000, so a broker needs to find a lender that accepts a smaller amount at an all-in rate under the legal cap.
I have a job offer at Sophia Antipolis. Can I get a mortgage before I move?
Yes, on your current income, assessed as a non-resident. Once you hold the French contract, many lenders prefer the trial period to be over before they count the new salary.
Do French banks lend on villas on the Cap d'Antibes?
Yes. Private banks are the usual lenders above roughly €1 million and commonly ask you to place assets with them, while some retail banks lend on smaller villas with a larger deposit.
Can a German resident get a mortgage in Antibes?
Yes. Residents of EU countries such as Germany are commonly financed at 70–80% of the price on strong files, under the same rules as French residents.