Several factors come into play, and it’s important to consider them carefully. Generally, purchasing existing properties tends to be more expensive than new builds. As you plan your property purchase in France, you should anticipate total transaction costs ranging from 10% to 15% of the purchase price. These costs encompass taxes, insurance, and various fees. Typical fees related to the mortgage itself, include: Valuation Survey: Lenders may require a valuation survey, which typically costs around €250. Mortgage Arrangement/Administration fees: These typically amount to approximately 0.5% to 1% of the loan amount, plus VAT. Notary Fees: For a new property, these fees are around 2.5%, plus VAT, of the property’s value. However, if the property is older than five years, the notary fees increase to approximately 6.5% (plus VAT).