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Hard work but totally worth it: 6 successful French property renovations

It's physically exhausting, expensive and complicated - but readers of The Local say that renovating a French property is all worth it in the end.

Hard work but totally worth it: 6 successful French property renovations
(Photo: Milivoj Kuhar / Unsplash)

Renovating a property in France is not for the faint-hearted, and it’s all-too easy to get bogged down in frustrating bureaucracy. 

But if you get it right, it’s a great way to get a bargain property and adapt it to your needs and tastes.

We spoke to readers who had successfully renovated a French property, and if you’re in the middle of a project, you might find their responses quite cheering

“We made mistakes about the paperwork attached to renovating in France and rules and regulations are quite onerous especially if your French isn’t fluent,” said Peter McNulty.  

The family lived for two years in a caravan, after buying two old stone barns near Cahuzac-sur-Vère, Tarn, 18 years ago. Overall, they spent 10 years transforming the buildings into two small houses for a total cost of €90,000 – including the cost of a small swimming pool.

But, he said: “It was a lot of fun doing it and we would certainly recommend it to anyone who is not afraid of hard work and is prepared to try anything. It is not rocket science!”

READ ALSO The ‘cheap’ way to get a second-home in France

Mick Tranter agreed – even after what he described as “18 years of continual (incredibly) hard work so far and we are not finished yet” on their “old, huge stone building” in Dordogne.

He said: “We have lived a life we could never have imagined and learned a huge variety of new skills but could never have anticipated the effort (both physical and emotional), costs and complications involved in what has been a daunting task. 

“Renovation gives you an enormous sense of satisfaction and creates a home which suits your personal tastes.”

He added: “We would not have missed the experience for the world, but being 20 years older we would never attempt anything on the same scale again. 

“Anybody thinking of renovating [needs] to be realistic about what they expect to achieve at the end of the project, whether it will still meet their needs and what they are able to invest physically and financially as both will far exceed your expectations. 

“Most importantly, unlike the UK, you are unlikely to make any money from such a project in France even if you budget very carefully and do most of the work yourself. 

“Basically – go for it, what can possibly go wrong?!”

READ ALSO ‘What I wish I’d known before I moved abroad’

Julia Frey, who describes herself as a “survivor” of four top-to-bottom property renovations in Paris, and who is about to embark on a fifth, warned: “If you don’t speak French or hire someone to be your intermediary, you’re as vulnerable as if you were senile.” 

She advised: “Always get a licensed architect with 10 years insurance and both sign off on the contract. Buy extra personal maitre d’ouvrage insurance on your household insurance in case the remodel somehow endangers the building.”

US citizen Bruce Schluter agreed, having bought a property in Paris the day before the first lockdown, and trying to co-ordinate a refurbishment from the other side of the Atlantic: “A good architect is essential, especially if you are not expert in the French way of doing things!

“A renovation allows you to have things just the way you would like instead of having to live with someone else’s idea of how things should be.” 

His property was finally ready shortly before France reopened its doors to travellers from the US.

“We are ecstatic with a the results,” he said.

READ ALSO EXPLAINED: Time-frame for buying and selling property in France

Banker Mike Gloyne and wife Louise have renovated properties in Haute-Savoie and the Dordogne while holding down full-time jobs. They would do it all again, despite administrative and personal issues.

“Everything takes longer and costs more,” he warned. “But we took a lot of personal pride in what we achieved – and also learnt new skills that I didn’t have before I started.

The couple turned accidental renovators when they found a doer-upper in a town near the Franco-Swiss border just over a decade ago. “We knew nothing about the French regulations and the rules we’d have to follow, so it was a bit of a scary proposition to begin with,” he said.

“From a budget and a time perspective, but we had some fairly significant issues. Dealing with the local mairie was painful. We had to go do a déclaration préalable, the paperwork we needed to do to make changes to the house. We didn’t need a building permit, as such, because we were only changing small aspects of the facade.

“It was a fairly straightforward process – but to get the mairie to approve it was extremely difficult. Even after we had followed what they wanted, to the letter, in terms of the colour of the tiles, the colour of the shutters, they then complained to us that, despite the fact they said to us we could paint the external walls white, the white we had used wasn’t the white they had in mind.”

READ ALSO Revealed: The ‘hidden’ extra costs when buying property in France

He said that, at one point, the police were called following a complaint the couple had employed English workers as opposed to local artisans to do the work. “The people we were using were from the UK, but they were registered in France,” he said. “It put a negative spin on the whole thing.”

A second builder sub-contracted work to another team, who took three times longer to do the work than had been planned, and who were often working on other projects elsewhere. To make matters worse, “The quality of work they did was substandard,” he said, explaining that another contractor brought in to fit the kitchen could not do his job because the walls weren’t straight, while shoddy plumbing work needed to be redone.

Surprisingly, despite these problems, it hasn’t put off the couple. Another project in southwest France  – that first experience “had made us more determined,” Mike said – that they plan to run as a gite business was going much better. “It was a completely different experience, and we’ve loved it. It just goes to show it’s not the same everywhere.”

He concluded: “I think, overall, if you’re someone who has a passion for this sort of thing, you’ll get a lot out of it. It’s almost like a labour of love and if you think of it in those terms, then it makes sense. There’s something special about being able to leave your footprint on something in that way. But everything that we’ve been through to get there has been painful.”

Susan Sturman said that renovating a property in France only makes sense if you plan to stay there “in the long term”. She said they expect to stay at their apartment in the 18th arrondissement of Paris “for the rest of our lives”. 

READ ALSO French property: How planning permission rules change in 2022

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French property: What is buying ‘en tontine’?

If you're buying property in France, you might be thinking about buying 'en tontine' - this has advantages especially when it comes to France's strict inheritance laws, but can also have tax implications.

French property: What is buying 'en tontine'?

What is it?

The ‘clause de tontine’ sometimes also known as a ‘clause d’accroissement’ is a clause that is inserted into the property deeds when you are buying a house or apartment.

It can only be inserted during the purchase, and cannot be added later.

It’s basically a ‘group purchase’. It’s most commonly used by unmarried couples who are buying together but it can be used by larger groups too – for example a group of friends buying a holiday home together.

You will have to ask a notaire to draw up the tontine clause during the property purchase and it can only be used if 

  • the parties are equally involved in the financing of the purchase
  • the parties involved have a roughly equal life expectancy (for this reason tontine clauses may be rejected if there is a significant difference in age between the purchasers)

What’s the point of it?

The main reason that people use it is to sidestep France’s strict inheritance laws, which assign that a certain portion of every estate must go to children, at the expense of a partner. 

READ ALSO How France’s strict inheritance laws work

For this reason it is particularly used by couples who have children from previous relationships.

On a property with a tontine clause in effect, when one owner dies their share of the property passes in its entirely to the other member/members of the tontine.

This cuts out children from inheritance, but means that a surviving partner is not evicted from their home in favour of the children of the deceased. 

It also has the advantage of making the intentions of the deceased clear, to avoid arguments among heirs after their death.

It should be noted, however, that the tontine clause only takes in the property that it covers – other assets may be subject to French inheritance law so it’s therefore probably wise to arrange a will, to ensure your wishes for your estate are met.

The surviving party can ask a notaire to update the property deeds to show that they are the sole owner, if they want. Be aware there will be a fee, which could reach four figures for the privilege – and it doesn’t actually involve any change to the property title.

Drawbacks

The advantages of the system are clear, especially for blended families, but there are some potential drawbacks too, which mean that anyone considering buying in this way would be well advised to take proper legal advice before they start.

Inheritance tax – while a tontine will help you to avoid restrictions on inheritance, it does not exempt you from inheritance tax. French inheritance tax is structured according to your relationship to the deceased, and people who are neither married nor related to the deceased pay an eye-watering inheritance tax rate of 60 percent.

The only exception to this top rate of inheritance tax is if the property is your main residence and it is valued at under €76,000 – in that case, tax is paid at a rate of 5.8 percent.

Married couples and family members pay a much lower rate or not tax, but if you’re not married to your tontine co-purchaser, be careful that you’re not lining yourself up for a massive tax bill in future years.

Wealth tax – depending on the value of the property, it could tip you over into the ‘wealth tax’ category when you inherit. France’s wealth tax is a real estate based tax and is levied on anyone who has real estate assets (property and land) worth €1.3 million or more.

The calculation includes property held en tontine.

Tax savings – you might hear tontines being advised as a way to limit your French tax liability.

While this used to be true, changes to tax laws means there are no no significant tax advantages to buying this way – the same is true for buying a property via an SCI, which used to represent a tax saving until the law was tightened up.

Disinheriting family membersOne side effect of the tontine clause on mixed families is to effectively disinherit any children of the first person to die.

Because the property passed to the survivor, under French law, only their direct descendants – rather than any family by marriage – are entitled to automatic inheritance.

That means that the children of the surviving partner will be entitled to the statutory share of the entire asset (between 25 and 30 percent depending on the number of children), but the children of the first person to die will be entitled to nothing. Obviously you can choose to leave them something in your will, but you can only leave them some or all of the estate which is not automatically given to the children on the survivor.

Divorce/dispute – if the members of the tontine split up or (in the case of friends) fall out, then they can either sell the whole property or agree to buy each other out.

However, if one party refuses to sell, then you have very limited legal options – unlike a standard property purchase a tontine is not regarded as joint ownership, so one partner cannot be forced to sell as part of a divorce procedings, for example.

Basically the tontine can only be ended or changed with the agreement of all parties – so if you can’t agree between yourselves then you may be stuck with it.

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