BUYING OR REFINANCE FOR PROPERTY IN ÈZE? Mortgage and short term development funding

Clifton private finance

We are experienced in raising development & bridging finance on residential and commercial property in Riviera resorts

We can source development & mortgage finance for projects on the Côte d'Azur:
  • Short term and mortgage finance from €2 million
  • Asset types - villas, apartments, hotels, apart-hotels, mixed use, office, retail
  • Up to 80% loan to value
  • Terms from 12 months to 25 years
  • Complex cases always considered
  • Finance for a variety of ownership structures including multiple SPV's, offshore SPV's, trust structures
Our strength is our ability to access a wide range of funding solutions from private banks, specialist lenders, family offices and wealth managers. We also have connections with private investor fund groups.
Call us on +44 203 900 4322 to discuss your requirements.

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Côte d'Azur Property Finance Service

Èze: perched on the famous Riviera Corniche midway between the high-rise glamour of Nice and Monaco, with museum-village charm and precipitous dress-circle views down the length of the Côte d'Azur.

The Région Sud of Provence-Alpes-Côte d'Azur, stretching from the second-highest ski resorts in France down to the Mediterranean coast, is unquestionably the most dazzling of France’s administrative regions. Its elite real estate and development opportunities match its geography.

More below:

Unrivalled Riviera views from Èze

The Èze location

Purchasing opportunities in Èze

Why buy on the Côte d'Azur

State of the market

Room for negation on premium properties

Visitors and rental returns

Second-home ownership

An all-year market

Who’s buying

Backdoor investment opportunities

Unrivalled Riviera views from Èze

The spectacular Mediterranean scenery can only be appreciated from a vantage point which also offers cooling sea breezes and some relief from the coastal congestion.

Of the three autoroutes from Nice to Menton (close to the Italian border), the sea-level Corniche Inférieure, which follows the boulevards of the coastline, was already too congested in the early years of the 20th century by aristocratic tourism.

The clifftop Moyenne Corniche, constructed between 1910 and 1928, became the world’s most scenic road, passing close to the medieval village of Èze, then following the border of Monaco at Beausoleil before descending to the Cap Martin peninsula.

The only views to rival it are from the high-level Grand Corniche: its most dramatic stretch around the Col d’Èze (famous from car advertisements and the James Bond film Golden Eye) looks down on the clifftop village.

The Èze location

The  "eagle’s nest" village of Èze on top of a 427m cliff has now become a renowned tourist destination: its cobbled streets with bright bougainvillea, art galleries, perfumeries and restaurants draw visitors from Monaco for the experience of dining on the terrace at Relais & Châteaux’s Michelin-starred La Chèvre d'Or.

The clifftop village is connected by the switchback M45 to Èze sur Mer, where the beach on the Baie d’Èze has easy access and is shaded by pine-trees which almost grow down to the water's edge.

The steep mountainside in-between offers challenges for builders of villas and discreet developments which are rewarded by the premium returns for unobstructed sea views.

Purchasing opportunities in Èze

In 2019 Knight Frank was offering a 5-bedroom Provençal villa with guest cottage on an 8,500 sq m plot in the heights of Èze sur Mer for €6.9M.

Green-Acres.com were offering a 1,278 sq m flat waterfront plot in Èze sur Mer, with the opportunity to build a 300 sq m villa, for €3.2M.

Terraced 160 sq m townhouses with views of Èze and the sea are available from €1.3M.

Why buy on the Côte d'Azur

This world-famous stretch of the Mediterranean is known as the Côte d'Azur to the French, and the French Riviera to the English.

Every year, half of all the world’s superyachts will drop anchor off the resorts stretching from Saint-Tropez to Cannes, Juan-Les-Pins, Antibes, Nice and Èze, to Cap-Ferrat, Roquebrune-Cap-Martin, and the tax-free principality of Monte Carlo. 

"People buy here because of the climate, the sea, the stunning scenery, magnificent food and accessibility," says Tim Swannie, Director of Marseille-based luxury property specialists Home Hunts. "There are superb beaches and the Alps are just behind, so it is a real year-round destination."

State of the market

According to Savills' market analysis, prices on the Côte d’Azur are currently on a high plateau, 

Demand for the most desirable residential Côte d’Azur property comes from the international second-home market, and has more in common with other top-tier global locations than with the rest of France.

The market slowed significantly as a result of the global financial crisis in 2007, though there were few foreclosures.

In line with other prime markets, prices did improve in 2011 with buyers from merging markets (particularly the Middle East and Russia). The election of French President Francois Hollande  in 2012 dented confidence, and demand fell again in 2014 as a result of falling commodity prices and a slowing French economy.

The election of Emmanuel Macron in 2017, and a new tax environment, is seen as a turning point, according to Paul Tostevin, associate director of Savills World Research.

"Thanks to an improved national economy, demand is returning to the Côte d’Azur. However stock levels are high, meaning it is a buyer’s market."

Highlighted in Savills’ 2018 Spotlight: Côte d’Azur:

Visitors and rental returns

The Côte d’Azur has strong tourism appeal: 200 private beaches, 15 spas, 21 golf courses, 36 marinas and 17 casinos (including five in Monaco).

More than 10 million visitors come to the Riviera each year, staying a total of 65 million tourist nights.

Nice Côte d'Azur Airport, 25 minutes from Èze, is connected to 96 international destinations in summer, with a 5.5% increase in passenger traffic at the start of 2019.

Second-home ownership

Despite the range a quality of hotel and rental accommodation, approximately half of all tourist nights in the Côte d’Azur are spent either in second homes, or in homes belonging to friends and family, driving strong demand for residential purchase.

An all-year market

During the 19th century the Riviera “high season” (as established by aristocratic British and European visitors) was during the winter and spring months. It was only after the First World War and with greater numbers of Americans arriving that the “High Society” scene became a summer season.

A major part of the Riviera’s appeal is its classically Mediterranean climate: warm, sunny summers cooled by sea breezes, and mild winters protected from cold northerly winds by the mountains close behind it. Nice enjoys 147 days of sunshine a year (those Instagram shots haven’t all been flitered).

Who’s buying

In the luxury market:

Savills International Research

Backdoor investment opportunities

The Riviera’s property market has been boosted by falling prices inland, away from the prime coastal locations.

Locations such as Biot, Opio, Roquefort les Pins and Châteauneuf de Grasse offer buyers more for their money: more bedrooms, a larger swimming pool or more substantial grounds and greater privacy.  Tim Swannie, of Home Hunts luxury property search specialists, says “The beauty of a holiday home inland, aside from the financial savings, is that you can dip in and out of the coast, but not get caught in the busy summer traffic.”

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