How can you finance your purchase at 110% (without a down payment)?
A 110% financing covers the price of the property plus the ancillary costs (notary fees, guarantee fees, sometimes arrangement fees) without any personal down payment. It remains possible but rare: it is reserved for solid profiles (stable income, sound management, residual savings) and a controlled debt-to-income ratio.
What a 110% financing covers
The "100%" corresponds to the purchase price of the property. The extra 10% finances the ancillary costs: notary fees (around 7 to 8% for existing property, 2 to 3% for new-build), guarantee fees (mortgage or surety) and sometimes arrangement or brokerage fees.
In practice, the borrower puts up no money: the bank finances the entire operation. This is the opposite of a purchase with a down payment, where the buyer finances at least the notary fees.
Who 110% financing is for
- Young first-time buyers with good income but still limited savings.
- Investors wishing to preserve their cash (the leverage effect remains attractive if the rental yield exceeds the cost of the loan).
- Profiles who can show impeccable management: no overdraft, regular savings, professional stability (confirmed permanent contract, civil servant).
How to convince the bank
Without a down payment, the bank takes on more risk: it will be all the more attentive to the residual living income, the way the accounts are kept and the residual savings after the operation.
A well-prepared file, a debt-to-income ratio clearly below 35%, and the support of a broker strongly increase the chances of obtaining a 110% financing.
Frequently asked questions
Is 110% financing still possible in 2026?
Yes, but it has become more selective since the HCSF framework. It is still granted to solid files, particularly first-time buyers and rental investment.
What is the difference between 100% and 110%?
A 100% financing covers only the price of the property: the buyer pays the notary fees out of pocket. The 110% additionally covers these ancillary costs, so no down payment is needed.
Do you still need savings?
Yes, ideally. Even without a down payment injected into the purchase, residual savings (a "safety cushion") reassure the bank and improve the file's acceptance.
Read next
- Règle HCSF
- Service-Public.fr : crédit immobilier
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