In this article, L’Agencerie, your network of franchised real estate agencies, presents the best cities to settle in on the Basque Coast.

Why live on the Basque Coast?

Living on the Basque Coast means enjoying spectacular scenery, a unique culture, and an unparalleled quality of life. In addition, the region enjoys a mild climate year-round, with average temperatures ranging from 10°C to 25°C depending on the season.

Surfing, hiking, golf, and sailing are just a few of the many activities you can enjoy on the Basque Coast.

Finally, when it comes to culture, the Basque Coast does not disappoint. The festivals, the cuisine, and the traditional Basque architecture add an incomparable richness to everyday life.

Good to know: Its proximity to Spain makes it easy to take a short trip to explore another country.

How is the real estate market doing on the Basque Coast?

The Basque Coast is a vibrant region offering a variety of property types, ranging from modern apartments to traditional Basque homes. Buyers can find properties in all styles, whether they are looking for:

• a primary residence;
• a vacation home;
• a rental investment.

Did you know? The average real estate price per square meter in the Pyrénées-Atlantiques is €3,757/m². Prices start at around €2,817/m² and can go as high as €5,635/m².

Note: Real estate prices obviously vary greatly depending on the geographic area. Coastal cities, such as Biarritz and Anglet, can have much higher prices compared to rural areas and small towns located inland.

Where is the best place to live on the Basque Coast?

Choosing where to settle on the Basque Coast depends on your personal preferences and your budget. Here are what we consider to be the two best cities.

Moving to Bayonne

Among the most attractive cities on the Basque Coast, Bayonne stands out for its rich cultural and historical heritage. Known for its iconic festivals, its cuisine, and its unique architecture, Bayonne appeals to a wide range of people: families, young professionals, students, and retirees. This city of about 50,000 residents offers a pleasant quality of life, combining the charm of its historic streets with a vibrant urban atmosphere.

Average real estate prices in Bayonne are around 4,000 €/m², ranging from 3,500 €/m² to 7,300 €/m².

Interested in Bayonne? Check out our available properties now.

Moving to Anglet

Anglet, often nicknamed the French “Little California,” is known for its beautiful beaches and laid-back atmosphere. This city of 38,000 residents is a true paradise for surfers, with more than 4.5 kilometers of lifeguard-patrolled beaches. Anglet is a popular destination thanks to its many bike paths and parks, offering a healthy and active lifestyle. The city is also renowned for its high-quality schools and sports facilities, making it an ideal choice for families.

On average, real estate prices per square meter in Anglet are €6,600/m². Prices range from as low as €4,900/m² to as high as €9,950/m².

Interested in Anglet? Check out our available properties now

L’Agencerie: Your Partner in Finding Your Dream Home on the Basque Coast

With the ever-changing real estate market on the Basque Coast, it can be difficult to navigate the many options available. However, L’Agencerie, your trusted real estate agency, can help you find the perfect property that meets your needs and fits your budget.

Our team of experienced professionals knows the local market inside and out and can offer you personalized advice. Whether you’re looking to finding a property in Anglet, Biarritz, or elsewhere we’ll guide you through the entire buying process. So don’t wait any longer to make your Basque dream a reality. Contact us today and let us guide you to your future home on the Basque Coast.

L’Agencerie –

L’article Living on the Basque Coast: Where Should You Settle? L’Agencerie’s Top Picks est apparu en premier sur L'Agencerie.

In this article, L’Agencerie, your network of franchised real estate agencies, highlights the benefits of buying a second home by the sea—particularly in southwestern France—and presents a selection of towns that might just charm you.

Why buy a second home by the sea?

Buying a second home by the sea offers many advantages. Not only is it an excellent way to enjoy regular vacations in an idyllic setting without having to pay for lodging, but it can also be a source of seasonal rental income.

According to bfmtv.com, approximately 40% of second homes were located on the coast in 2021. Buyers are particularly drawn to:

• quality of life;
• the pleasant climate;
• the magnificent landscapes.

Where can you buy a second home in southwestern France?

Southwestern France is particularly popular for its magnificent beaches, its waves—a favorite among surfers—and its friendly atmosphere. Here are, in our opinion, 4 cities that really stand out for buying a second home in southwestern France.

Buy in Soorts-Hossegor

Soorts-Hossegor is a top destination for surfers and nature lovers. Located in the Landes region, this town is known for:

• its stunning beaches;
• its pine forests;
• its marine lake.

The city offers a wide variety of outdoor activities, from golf to biking to sailing. It is also known for its relaxed atmosphere and wellness-focused lifestyle.

Looking for a partner to bring your project to life? Contact our office in Hossegor / Capbreton!

Real Estate Prices in Soorts-Hossegor

In terms of real estate prices, Soorts-Hossegor is a fairly upscale area. In July 2024, the average price per square meter was €9,536.

Regarding the apartments:

• Highest price: 13,760 €/m²
• Average price: 8,803 €/m²
• Low price: 4,776 €/m²

Regarding houses:

• Highest price: 15,485 €/m²
• Average price: 9,907 €/m²
• Low price: 5,375 €/m²

Check out our properties for sale in Soorts Hossegor!

Shop in Biarritz

Biarritz is a highly prestigious destination in southwestern France. Known for its elegance and charm, Biarritz combines the sophistication of a chic seaside resort with the authenticity of a historic city.

The beaches in Biarritz, such as the Grande Plage and the Côte des Basques, are ideal for surfing and relaxing.

Real Estate Prices in Biarritz

The real estate market in Biarritz is also among the most expensive in the region. In July 2024 the average price per square meter was €8,594.

Regarding the apartments:

• Highest price: 12,408 €/m²
• Price: 8,272 €/m²
• Low price: 6,204 €/m²

Regarding houses:

• Highest price: 14,660 €/m²
• Average price: 9,773 €/m²
• Low price: 7,330 €/m²

Shop in Capbreton

Capbreton, a town near Soorts-Hossegor, is also very appealing. This lively marina is ideal for lovers of the sea and water sports.

Capbreton offers the perfect blend of tradition and modernity, with its local markets, seafood restaurants, and famous surf spots. Life in Capbreton is characterized by a strong maritime culture and a spirit of friendliness.

Real Estate Prices in Capbreton

Real estate prices in Capbreton are slightly lower than those in Soorts-Hossegor. In July 2024, the average price per square meter was €6,818.

Regarding the apartments:

• Highest price: 9,302 €/m²
• Average price: 7,267 €/m²
• Low price: 4,317 €/m²

Regarding houses:

• Highest price: 8,158 €/m²
• Average price: 6,374 €/m²
• Low price: 3,786 €/m²

Buy in Anglet

Anglet, located between Biarritz and Bayonne, is another highly sought-after coastal town. Anglet is known for its beaches, which stretch for about 4.5 kilometers, and its many green spaces.

The city is perfect for those looking for an active lifestyle, with numerous bike paths, golf courses, and surfing opportunities. Anglet also enjoys a mild climate year-round, with an average temperature of about 14°C, making it a pleasant place to stay in any season.

Real Estate Prices in Anglet

Regarding real estate prices in Anglet, the average price per square meter is €6,606.

For apartments:

• Highest price: 8,839 €/m²
• Average price: 5,892 €/m²
• Low price: 4,419 €/m²

For homes:

• Highest price: 11,670 €/m²
• Average price: 7,780 €/m²
• Low price: 5,835 €/m²

Looking for a partner to bring your project to life? Contact our real estate agency in Anglet!

L’Agencerie: Your Trusted Partner for Finding Your Second Home in the Southwest

Finding the perfect vacation home by the sea can be a challenge, but with L’Agencerie, you have a trusted partner by your side.

We offer you our in-depth knowledge of the real estate market in southwestern France, our network of local partners, and our expertise to ensure a secure and stress-free transaction.

Whether you’re looking for a beachfront villa, an apartment with an ocean view, or a charming home in a natural setting, L’Agencerie will help you make your dream a reality with complete confidence. Schedule an appointment today to discover the best real estate opportunities and take the first step toward your new beachfront vacation home.

L’Agencerie –

L’article Beachfront Vacation Home: Where Should You Buy? Advice from L’Agencerie est apparu en premier sur L'Agencerie.

In this article, L’Agencerie, your network of franchised real estate agencies, provides you with practical and detailed advice to help you navigate the buying or selling process with confidence.

Preparing to Sell or Buy a Property

As with any project of this scale, preparation is a crucial phase of your real estate transaction. It can truly make or break the deal.

Whether you’re a buyer or a seller, it’s crucial to plan this step carefully to avoid unexpected issues and get the best possible terms for the sale or purchase. Here are the key factors to consider for ensure a successful preparation.

Gather the necessary documents

Our first piece of advice is to gather all the documents that need to be submitted to the various parties involved in the transaction. Here are some of the required documents, listed in detail for both buyers and sellers:

Good to know: Having your documents in order can help you gain your counterpart’s trust and speed up the sales process. Good organization helps avoid unnecessary back-and-forth with buyers or financial intermediaries. Make sure all documents are presented in a clear and organized manner to make them easy to read and understand.

Estimate of the market value of the property

The first few days after a property is listed for sale represent a unique opportunity to sell your apartment, house, or any other property quickly and at the right price.

In fact, buyers will certainly be intrigued by this new listing, especially since websites tend to highlight the most recent listings. This is, therefore, a unique opportunity to get your property off the ground and generate leads.

As you know, when selling a property, price is the key factor. It’s therefore important to list your property at the right price from the very start. To do this, there’s nothing more effective than having it appraised by a competent real estate professional who specializes in your area. Only such a professional can use reliable data and a recognized method to provide you with a narrow and accurate range of your property’s value.

Did you know? Professional appraisals are often accepted by notaries, banks, and other financial institutions, which can simplify your project. This will also reduce the other party’s room for negotiation.

By doing so, you will also avoid undervaluation, which could lead to financial losses.

Although this practice is less common, buyers also have the option of having the property they are interested in appraised.

Set a realistic price if you’re selling your property

In addition to assessing the value of a property, it’s important to set a reasonable asking price to give yourself the best chance of success. The selling price can vary depending on a variety of factors, such as the season, market conditions, the economic climate, or your personal requirements. So be sure to ask yourself the right questions or seek help from a professional.

A high price can deter buyers, so this strategy should be reserved for exceptional properties that are likely to capture buyers’ hearts at first sight. A low price can speed up the sale process. Be careful, however, not to set a price that’s completely out of line with the market, or you risk raising suspicions. In any case, aim to find a happy medium that reflects your property’s true value while remaining competitive in the market.

Set a realistic budget if you’re buying a property

Before you actually start shopping, it’s crucial to set a realistic budget.

Start by assessing your borrowing capacity by consulting your bank or a mortgage broker. Take into account your income, monthly expenses, and down payment. Also consider additional costs such as notary fees, real estate agent fees, taxes, and any potential renovation costs.

Once you’ve determined these factors, you’ll have a clear idea of your overall budget and will be able to look for properties that fit your financial means. Don’t forget to set aside a buffer for unexpected expenses to avoid unpleasant surprises.

Finding the Right Professionals to Ensure a Successful Real Estate Transaction

To ensure the security, efficiency, and smooth progress of your real estate transaction, it is essential to work with qualified professionals. Real estate agents, lawyers, and notaries can provide you with valuable advice and help you avoid many pitfalls. Don’t underestimate the importance of working with the right professionals.

Choosing a Real Estate Agent

Thanks to their skills, network, and knowledge of the local market, a good real estate agent can make a big difference in the success of your transaction. Look for agents with a good reputation, experience in your area, and strong references.

Tip: Ask about their experience with similar transactions, their marketing strategy, and their commission rate.

Find a good notary and a lawyer if you need one

The services of a notary are essential to securing and validating your real estate transaction. In particular, this professional will be responsible for:

• Authentication of the deed of sale.
• Verification of compliance with all legal obligations.

In addition, they can also provide valuable advice and alert you to certain shortcomings.

If necessary, an attorney can advise you on the legal aspects of the transaction. In any case, look for professionals who specialize in real estate law and have good references. Fees can vary, so it’s important to:

• Request a detailed quote in advance.
• Compare the rates and services offered by several professionals.

Managing the Active Phase of a Real Estate Transaction Effectively

As we saw at the beginning of this article, buying or selling a property is an exciting but potentially complex process.

Each step must be approached with care to ensure a successful transaction. From searching for properties to the final inspection, here are the main steps to follow once the project is officially underway.

Property Search

Looking for a home takes time and good organization. Here are a few tips to help you navigate this step:

• Use reputable websites to find detailed listings.
• Plan your viewings based on your availability and the schedules of the homeowners or real estate agents. Be sure to explore the neighborhoods where the properties you’re interested in are located in more detail.
• Prepare a list of relevant questions for each visit to make sure you don’t forget anything.
• Carefully assess the overall condition of the property, paying particular attention to the quality of the materials and any work that may need to be done.

Reminder: Don’t forget to consider the property’s location, which greatly affects its value. Make sure it meets your criteria for proximity to schools, public transportation, and shops.

Get the best possible value for the property you want to sell

Preparing a property before putting it on the market can significantly increase its appeal and selling price. Here are a few steps to take, both inside the property and in terms of your marketing efforts.

Things to Do in the Property

To start with, it may be essential to carry out repairs and renovations.

• Make sure that all structural elements—such as the roof, plumbing, and electrical system—are in good condition to avoid any unpleasant surprises for future buyers.
• Modernizing kitchens and bathrooms is also crucial, as these rooms play a key role in potential buyers’ purchasing decisions.
• Energy-efficiency improvements play an important role in increasing a property’s value. Improving thermal and acoustic insulation not only enhances comfort but also leads to energy savings. Installing eco-friendly systems, such as solar panels, high-efficiency boilers, or double-pane windows, can improve energy efficiency and reduce the property’s carbon footprint.
• Home staging is another effective strategy. Remove personal items so that buyers can envision themselves living in the home. Create a welcoming, modern atmosphere to enhance the property’s visual appeal.
• Landscaping should not be overlooked. Maintain the garden, trim the hedges, and plant flowers to enhance the home’s curb appeal. Adding or upgrading a deck or patio can provide pleasant outdoor living spaces, which are particularly valued by buyers looking for comfort and a welcoming atmosphere.
• Finally, make sure the property is clean before each showing. A clean home makes a better impression. Fix minor issues such as broken doorknobs or leaky faucets, because these small touches can make a big difference to buyers.

Marketing and Digital Initiatives

Certain marketing strategies can also help your property stand out from the competition and encourage online users to contact you. Here are a few examples:

• High-quality photos make the property more appealing. Professional images attract more potential buyers online and increase interest in the property.
• Write a detailed and appealing description of the property for online listings. Offer virtual tours to allow buyers to explore the property remotely, which can expand your reach and make it easier to establish initial contact.
• Use social media to promote the property and reach a wider audience. Platforms like Facebook, Instagram, and LinkedIn can attract potential buyers.

A property that is well-presented and well-marketed will not only sell faster, but often at a higher price. Investing time and money in these improvements can prove to be very profitable in the long run.

Make an offer or review the proposal you received

Making or evaluating a real estate offer is a crucial step that requires strategy and preparation.

For buyers:

1. Market Analysis : Evaluate the prices of similar properties to make a realistic and competitive offer.
2. Offer Strategy : Include all essential details, such as the proposed price, financing terms, and the desired closing date.
3. Negotiation : Be prepared to back up your offer with strong arguments and be flexible during negotiations.

For sellers:

1. Evaluation of Offers : Analyze each bid by comparing the prices offered, the financing terms, and the closing dates.
2. Negotiation : Be prepared to discuss the terms and defend your asking price. Use the appraisal to support your position.
3. Choosing the Right Buyer : Consider the buyer’s financial reliability and ability to meet deadlines.

Our advice: Maintaining good relationships is essential. Remaining courteous and respectful throughout the negotiations can greatly facilitate the acceptance of the offer or counteroffer. Clear communication and a positive attitude play a key role in the success of the transaction.

Inspection and Evaluation

A thorough inspection is essential to avoid unpleasant surprises. Here, too, you can hire a professional to check the condition:

• of the structure;
• of the roof;
• plumbing;
• electricity.

Make sure that all installations comply with standards and that the property has no major defects. If any problems are discovered, negotiations or a request for repairs may be necessary.

Delegate the preparation of your transaction

One of the most effective ways to ensure a successful real estate transaction is to work with a trusted real estate agency. By entrusting the process to professionals, you ensure that you benefit from their expertise and experience, which reduces risks and optimizes the transaction.

Hire a real estate agency like L’Agencerie

We offer a full range of services to support our clients throughout the buying or selling process, including:

• Local expertise: Our real estate agents have in-depth knowledge of the local market in which they operate, which enables them, in particular, to set realistic and attractive prices.
• Managing showings and negotiations: Our agents organize and supervise showings, handle negotiations, and advise you on the best offer.
• Administrative Support: We handle numerous administrative and legal matters, in collaboration with other professionals, to ensure a secure transaction.
• Effective marketing: Thanks to our expertise in real estate marketing, we effectively promote properties for sale, reaching a wide audience of potential buyers.

When you work with L’Agencerie, you’ll benefit frompersonalized support and recognized expertise, which increases your chances of a successful and stress-free transaction.

Conclusion

Successfully completing a real estate transaction requires careful preparation and in-depth knowledge. By following our key tips, you’ll be better equipped to navigate this complex process. However, working with a real estate agency like L’Agencerie will ensure an even smoother and more successful transaction. By entrusting your transaction to L’Agencerie, you’ll reduce risks and uncertainties while increasing your chances of success! Contact us today to carry out your real estate project with confidence and peace of mind.

L’Agencerie –

L’article Top tips from our teams to help you succeed in your real estate transaction est apparu en premier sur L'Agencerie.

L’Agencerie has put together a guide for you on all the assistance programs available to help you become a homeowner: from the revamped Zero-Interest Loan to little-known local assistance programs, including discounted home-purchase schemes—you have all the options at your fingertips. Follow the guide!

The Zero-Interest Loan in 2024: Major Changes

The flagship program for first-time homebuyers, the Zero-Interest Loan (PTZ), is gaining momentum. With no fees or interest, it supplements the main loan and significantly increase the down payment. Its revised 2024 version, featuring significant changes, makes it more accessible and better suited to the specific needs of first-time homebuyers. Here are the key changes.

Higher income limits

Income limits have been raised, with increases ranging from 14 to 38 percent depending on the bracket. The goal? To make a much wider range of households eligible for the PTZ, particularly middle-class households with net monthly incomes ranging from €2,500 to €4,000.

A real lifeline for those on the tightest budgets! With nearly 6 million potential new beneficiaries, the revamped PTZ is designed to be an effective stepping stone to homeownership.

Subsidized financing covering 50% of the real estate transaction amount

Another key measure is that the portion of a real estate project eligible for financing through the PTZ will increase from 40% to 50% starting in 2024. In practical terms, for a purchase of €200,000, you’ll be able to obtain up to €100,000 in PTZ financing, compared to €80,000 in the past. This is a significant boost for saving up your down payment, especially since mortgage rates are still hovering around 4%.

This would provide significant relief to the budgets of low-income households and allow them to borrow the remainder at the standard rate with greater peace of mind.

Refocusing the PTZ 2024 on new multi-unit housing located in high-demand areas

New for 2024: New single-family homes are no longer eligible for the PTZ program! The program now targets new multi-family housing units located in the so-called high-demand zones A bis, A, and B1, where housing demand is highest.

However, the PTZ remains available to finance older homes requiring renovations, though it is now limited to the less competitive B2 and C zones.

Purchasing public housing made easier with an interest-free loan (PTZ) increased to 20%

The latest major change: Social housing tenants looking to purchase their primary residence will be able to finance up to 20% of the purchase through the PTZ—compared to just 10% previously. ​A huge boost toward independence and the joys of homeownership!

Do you think you qualify as a first-time homebuyer? Check your eligibility for the new version of the PTZ right away! The simulation tool below will give you an initial idea:

PTZ Simulator 2024 (to be inserted as a popup/iframe)

Plan for your purchase with the PEL at 2.25%

Another valuable tool for first-time homebuyers, the Home Savings Plan (PEL), will see its interest rate jump to 2.25% as of January 1, 2024, up from 1% since 2016. This should significantly boost your interest earnings to build a solid nest egg before taking the plunge into homeownership.

A quick reminder of how this regulated savings product works:

• A minimum of 4 years of mandatory contributions is required to qualify for a loan
• Limits of €61,200 in total savings and €92,000 in mortgage loans
• Tax rate reduced to 30% for taxes and social security contributions on interest, which are final and non-refundable

“In 2024, the PEL is once again proving to be an effective tool for pre-financing part of a real estate project.”

Homeownership at Affordable Prices

The result of a carefully crafted partnership between local governments and real estate developers, this program offers a significant discount on the purchase price, generally ranging from 10 to 20 percent of the market price. Under this program, municipalities choose to sell the land at a reduced price to a developer, who in turn commits to selling these properties at regulated prices.

Eligibility criteria for the affordable homeownership program are generally aligned with those of the Zero-Interest Loan (PTZ) and may vary depending on geographic areas and local projects. They may include conditions such as household income, the ratio of housing costs to income, or the requirement that the applicant has not owned their primary residence in the past two years.

The Solidarity-Based Real Estate Lease (BRS)

Another measure introduced by the government in 2015, the “bail réel solidaire” is based on the separation of ownership of the building from that of the land. In practice, you purchase only the building—the bare ownership—while a solidarity-based land organization retains the land, leasing it to you for a nominal rent over the long term. In short, only the building itself is fully owned.

The result: this program can reduce the cost of housing by up to 40%! It’s a real boon, especially as mortgage interest rates are skyrocketing. And the good news is that the income eligibility requirements for the BRS will be expanded in 2024. No fewer than 3.8 million additional households will be able to benefit from it.

The Social Rental-to-Own Loan (PLSA)

The Social Rental-to-Own Loan (PSLA) is a clever alternative for gradually becoming a homeownerin two stages. How does this little-known program work?

1. You start by renting an affordable new apartment
2. You then purchase it from the landlord, usually within five years of saving up your down payment

In addition to offering the security of saving in stages, this arrangement provides several significant tax benefits:

• Reduced VAT to 5.5% during construction and then at the time of purchase
• Temporary Property Tax Exemption
• Can be combined with other subsidized loans (PTZ, Action Logement, etc.)

In short, it’s a great opportunity for low-income households looking to get their real estate project off the ground with peace of mind.

“Given the current market volatility, the PSLA greatly stabilizes the home-buying process by breaking it down into successive steps and helps offset rising interest rates.”

The 1% Action Logement Loan

Another option is the Action Logement Loan, which offers private-sector employees financing at an ultra-low interest rate: 1% excluding insurance. This helps limit the impact of rising interest rates on your monthly payments.

Whether you’re building a home, buying a new or existing home, or renovating, this government-backed loan can be combined with other programs.

Depending on the location of your future purchase, you can borrow up to €30,000 for a maximum term of 25 years.

Local Assistance Programs

In addition to national programs, some large local governments have introduced additional assistance programs within their jurisdictions. The goal? To make it easier to become a homeowner in overheated local real estate markets.

Thus, the Albigeois Metropolitan Community is offering the “Prêt 1ère Clef” program, a 20-year interest-free loan. It aims to support first-time homebuyers with modest incomes who are already eligible for the national interest-free loan (PTZ). The amount of assistance ranges from €3,000 to €15,000, depending on household composition.

Such local initiatives exist in many cities, such as Toulouse and Bordeaux. Be sure to find out about opportunities near you or to check the ANIL website, which lists all available local financial assistance ! With 5 to 15% in additional financial assistance, that can make all the difference on a tight budget.

Reduced notary fees for new construction

One last significant benefit to consider: buying new-construction real estate allows you to save substantially on notary fees.

While these expenses often exceed 7 to 8% for existing homes, they are generally limited to 2–3% for new homes. The reason? Lower transfer taxes.

“In practical terms, for the same budget, you’ll be able to buy a higher-quality or larger property!”

With this comprehensive overview of the financial assistance available, you have everything you need to make your real estate project a reality.

Our team is here to assist you every step of the way: analyzing your situation, preparing applications for financial assistance, selecting the best properties for sale… For a personalized consultation, schedule an appointment at our office or contact us online today!

– L’Agencerie

L’article Buying a Home in 2024: A Complete Guide to Assistance Programs for First-Time Homebuyers est apparu en premier sur L'Agencerie.

In this article, discover five reasons why Bayonne is a top destination if you’re looking to get away from the capital.

1. Living in the heart of nature, close to major cities

The city benefits from its proximity to natural sites such as the Basque Coast and the Pyrenees Mountains. It is also close to picturesque towns like Biarritz and Saint-Jean-de-Luz. In comparison, Paris offers a more densely populated environment, with fewer natural areas accessible directly from the city.

2. A More Peaceful Daily Life

Bayonne offers a more peaceful pace of life compared to the hustle and bustle of Paris. Getting around is often less stressful, with less traffic congestion. In fact, its public transportation system is less crowded than Paris’s.

3. More affordable cost of living

In terms of the cost of living, rents and real estate prices in Bayonne are generally more affordable than those in Paris. For example, average rent for an apartment in Bayonne is about €14 per square meter, whereas in Paris it can reach €40 per square meter. In addition, everyday expenses such as groceries and utilities can be about 20% lower in Bayonne than in Paris.

4. An Attractive Climate

Bayonne has a temperate oceanic climate with mild winters (around 7 to 10 °C) and pleasant summers (18 to 22 °C). This region is therefore less prone to extreme weather than Paris, offering more moderate temperatures and plenty of sunshine throughout the year.

5. Numerous career opportunities

Bayonne offers a diverse job market, particularly in sectors such as tourism, services, agribusiness, and retail. This provides a wider variety of career opportunities, with an unemployment rate that is often lower than in Paris.

Which neighborhood should you live in in Bayonne?

Choosing the right neighborhood to settle into in Bayonne is important for a successful transition. We’ll walk you through the different characteristics of each neighborhood—it’s up to you to choose the one that best suits your needs.

Downtown (Greater Bayonne)

The magnificent Sainte-Marie Cathedral, a UNESCO World Heritage Site, is located in the city center. The Citadel, an iconic architectural masterpiece designed by Vauban, is also located there. This neighborhood is further distinguished by its narrow streets lined with half-timbered houses, giving it a unique charm. Greater Bayonne is also the birthplace of the famous Bayonne Festival, which draws thousands of people each summer. It’s the ideal choice for young professionals, students, and anyone who appreciates being close to urban amenities.

Saint Bernard

Saint-Bernard is a residential neighborhood known for its tranquility and friendly atmosphere. Its streets are lined with houses that are often traditional in style, creating a family-friendly living environment. The neighborhood offers a variety of amenities, such as schools, parks, and local services, making daily life easier for residents.

Holy Spirit

North of downtown, Saint-Esprit offers a more peaceful atmosphere. Its streets are lined with traditional homes. Although it is not located in the city center, it is home to local shops, quiet parks, and green spaces that are popular with residents. It is certainly the ideal place for young families and retirees.

Lauga

Located near downtown, Lauga is a residential neighborhood known for its peaceful atmosphere. It is characterized by streets lined with traditional homes, often representative of the local architectural style. It also features several green spaces and parks for relaxing outdoors. This neighborhood mainly attracts families.

Marracq

This neighborhood offers a good balance between residential areas and recreational facilities. Also prized for its tranquility, Marracq features several green spaces and parks. It also has soccer fields, track and field facilities, and other amenities suited for outdoor sports. All of these features make it an ideal neighborhood for families and sports enthusiasts.

Saint-Amand

Saint-Amand is appreciated for its peaceful atmosphere and its proximity to amenities such as schools, small local shops, and green spaces. Far from the hustle and bustle of downtown, it is particularly popular with retirees who are often seeking peace and quiet.

Tips for a Successful Move to Bayonne

Are you thinking of moving to Bayonne? Here are a few practical tips before you settle in:

• Bayonne has a variety of neighborhoods, each with its own unique characteristics. Take the time to learn about these different neighborhoods and their typical rental rates. Our team at L’Agencerie can help you with your search.
• Explore the career opportunities available. The city has a diverse economy, particularly in the tourism, agri-food, and service sectors, with an unemployment rate that is generally below the national average.
• Familiarize yourself with local transportation options. Bayonne has an efficient public transportation system, with bus routes serving various neighborhoods. The Bayonne train station is also a central hub for regional and national travel.
• Find out about the services and amenities offered by the city. Bayonne offers a wide range of health care services, educational institutions, shops, and entertainment venues.
• Finally, immerse yourself in the local social scene. The city hosts numerous cultural and festive events throughout the year, offering ideal opportunities to meet locals and become part of the local community.

— L’Agencerie

L’article Leaving Paris for the Basque Country: Is Bayonne the ideal city? est apparu en premier sur L'Agencerie.

Yet, amid this whirlwind of decision-making, one key question emerges: Is it better to buy or build a house? L’Agencerie invites you to explore the pros and cons of each option together.

Buying a Home: The Timeless Charm of Stone

Buying an existing home is, first and foremost, often a matter of love at first sight. The magic happens the moment you step through the doorway of this building that has stood the test of time. Its rooms, with their high ceilings, exude authenticity. Do the hardwood floors creak a little? Who cares—they tell the story of a thousand lives! And the living room fireplace warms hearts and winter conversations.

Much more than just a place to live, an old house is an invitation to travel. Its Belle Époque façade, its old-world moldings: everything comes together to take you back in time. When modernity sometimes seems sterile, the old possesses an extra touch of soul. An indefinable quality that appeals to many buyers in search of character.

The icing on the cake: these properties often enjoy a prime location in the heart of historic towns or villages, where there is no longer any land available for new construction. Close to amenities, sometimes nestled in a lush green setting—what a bonus!

Buying an older home therefore offers the best of both worlds: all the charm of an authentic home combined with an ideal location. It’s the perfect opportunity to become part of a place’s history, at a price that’s generally more affordable than new construction.

Another appealing feature: the ability to move in quickly—sometimes right after signing the contract! This saves you precious time, without having to wait for a long construction project to finish.

Watch out for hidden fees!

Be careful, however, not to idealize these historic buildings too much! Behind the gilded facade of prestige, certain flaws are sometimes crudely covered up…

Sound and thermal insulation are often inadequate in older buildings. This can cause heating bills to skyrocket and make daily life more difficult. That’s why it’s so important to thoroughly check the energy efficiency before signing any contracts!

Another point to watch out for: the sometimes dilapidated condition of certain features. While it’s easy to refresh the interior decor, other renovation projects can be much more involved. An electrical system that needs updating, door and window frames that need replacing… Not to mention the plumbing or heating system that needs to be modernized.

In short, these are significant expenses that must be carefully factored into your budget, or you risk being disappointed. The same goes for hidden structural issues, which require the expertise of professionals.

In short, the main risk with older homes lies in unexpected repairs, which are always costly. To avoid unpleasant surprises, a thorough technical assessment of the property is essential before making any commitments. Combined with detailed estimates from contractors, this will help you estimate the scope of the work and its costs. This will help guide your decision!

Building: A Customized Adventure

Faced with the uncertainty of older homes, new construction is appealing because it offers a controlled environment, much likea blank canvas waiting to be filled. A building lot, a project to design, materials and features to select: everything is up to you to imagine and put together. A wonderful adventure to create a personalized haven.

While the house’s foundation is anchored in the ground, its walls and rooms come to life through your own creativity. The floor plan can be tailored to your needs, incorporating a walk-in closet, home office, guest bedroom… depending on your priorities. When it comes to style, let your imagination run wild: modern, traditional, or unconventional—anything goes!

The icing on the cake: starting from scratch also gives you the opportunity to build a healthy, energy-efficient, and connected home. Built to meet the latest construction standards, your home will be equipped with the best insulation, ensuring comfort and long-term savings.

By choosing a custom-built home, you become the architect of your own haven. You’ll enjoy not only designing your interior, but also ensuring its technical quality.

The Crux of the Matter: Costs

This journey toward the ideal home, however, comes at a price. Because building a home involves significant investments that exceed the cost of purchasing an equivalent existing home. And beware of poor management, which can quickly send costs spiraling out of control!

Between unpredictable weather that disrupts the schedule and delays in material deliveries, unforeseen challenges are always lurking. The complexity of the project also requires effective coordination among all stakeholders: architects, engineering firms, contractors… No small feat!

You’ll also have to factor in the time required for the process: purchasing the land, obtaining a building permit, issuing requests for proposals, construction work, and so on. Expect it to take 1 to 2 years before you can walk on the brand-new tile floors in your home!

To make matters worse, therising commodity prices are making the situation much more complicated, driving prices sky-high and seriously complicating the financial situation for many households.

Comparison of the Pros and Cons

Build or Buy: How to Decide?

There’s no clear-cut winner between new construction and older homes: each option comes with its own challenges, but also offers tremendous potential! After this overview, how can we decide between these two alternatives?

It really all depends on your profile, your expectations… and your budget. Those on a tight budget will have an easier time finding what they’re looking for in older homes, as long as they’re willing to tackle some renovation work and accept that the insulation could be improved.

Those who love custom-built homes and high-tech features will likely opt for a newly built home. While it’s certainly expensive and time-consuming to build, this choice guarantees a cozy, highly personalized home. Does it align with your tastes… and with the environmental challenges of tomorrow? In this regard, keep in mind that an older home can also be a very good option, especially with the financial assistance available for energy-efficient renovations !

Finally, whether you’re looking for an older home or a new one, the property’s location should also be a top priority. After all, a great address can make up for many flaws! If you’re interested in buying a home in the southwest, feel free to browse the listings from our real estate agencies.

Ultimately, both buyers and builders are looking for the same thing above all else: a home that reflects who they are, in a location that will make them happy. Whether you’re drawn to the charm of an older home or the modernity of a new one, the key is to find your hidden gem—the one where you can see yourself living for years to come. The rest is just a matter of compromise, budget… and, above all, love at first sight!

– L’Agencerie

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Living by the sea or spending some time there is a dream come true for many people. This is not surprising, as the coast offers a peaceful living environment and a pleasant climate. These advantages of coastal areas attract both local and foreign tourists, allowing you to easily make a profit on your rental investment.

Easy to Rent Out

Every year, the French coastline attracts millions of visitors seeking fresh air, sunshine, and sandy beaches. This makes it easy to rent out properties near this area. In a destination like this, it’s sometimes possible to find vacationers without even posting an ad with professional-quality photos. In fact, the mere fact that your apartment is located by the sea is sometimes enough to attract renters.

Lower risk of non-payment

In a beach resort where demand is high—especially during peak season—the risk of unpaid rent is very low. In fact, rent is usually paid when the accommodation is booked or upon the tenants’ arrival.

You can enjoy it too

What could be more enjoyable than being able to enjoy your house or apartment near the sea, especially during the off-season? Some homeowners even choose to rent a property in a seaside resort so they can live there after they retire. If that’s your goal as well, it’s advisable to move forward with your plan now to purchase your property at a better price. In fact, this type of property appreciates quickly. The longer you wait, the more you risk paying for the purchase.

Choosing the Right Property for a Profitable Vacation Rental

In a vacation rental project, choosing the right property is crucial to the success of your investment. First, carefully consider the size of your house or apartment. This obviously depends on your budget, but also on the profile of the tenant you’re targeting. For example, a house intended for a family with children should not be the same size as one intended for a couple.

To attract as many guests as possible and easily make your rental property profitable, choose the right layout for your rental. Remember that guests are coming there for their vacations. They therefore expect the house or apartment to be comfortable and perfectly suited to their needs. If your budget allows, opt, for example, for an apartment with a terrace overlooking the ocean, a pool, a hot tub, etc.

Choosing the Right Location for Your Rental Apartment

Choosing the right location is key to the success of your seasonal rental investment. To find the best location for your property, consider the following criteria:

• the popularity of the seaside resort;
• tourist traffic and the types of vacationers, in order to choose the right property accordingly;
• proximity to amenities (stores, pharmacies, restaurants, etc.);
• accessibility by public transportation;
• etc.

Anglet: The Ideal City for a Vacation Rental?

Offering a quiet and pleasant living environment, the town of Anglet attracts many visitors each year. Easily accessible and welcoming, it is connected to the A63 highway and departmental roads 910 and 810. Within its boundaries, it is served by numerous bus lines, such as lines A1, C, 8, 12, and 14.

The municipality is classified in the Pinel B1 zone. This explains why you can claim a tax deduction for renting out your property in Anglet. Thanks to its appeal to tourists, rental prices in the area have been rising steadily for years.

Over the past year, rental prices per square meter have risen by 9% across all property types. Here is how rental prices in the city have changed over the past five years, broken down by housing type:

Creating Eye-Catching Listings for a Profitable Seaside Rental Property

A real estate listing plays an important role in a rental investment. With a professional listing that highlights your property’s strengths, you’ll quickly attract future tenants.

Unless you have extensive graphic design skills, it’s best to have a real estate agency create your property listing. They’ll know how to showcase your property and its location through an engaging and professional listing.

A real estate agency like L’Agencerie has the staff and equipment needed to design your listing. In addition, it publishes your listing on various platforms, such as real estate classifieds websites and social media. This will increase your chances of renting out your property quickly.

Have professionals manage your beachfront rental property

Investing in seasonal rental properties requires time and energy to avoid unexpected issues and ensure a good return over the long term. If this isn’t your main business, it’s best to entrust the rental management of your property to a local real estate agency.

With her in-depth knowledge of the rental market in your city, she will handle the following tasks, among others:

• rent setting;
• writing an appealing ad;
• conducting mandatory real estate inspections;
• home maintenance;
• etc.

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Bayonne: Profile of the City

Living in Bayonne: The Capital of the Basque Country

Bayonne is located in southwestern France, on the western border between the Basque Country and Gascony. This magnificent city is located in the Pyrénées-Atlantiques department in the Nouvelle-Aquitaine region. Here are its neighboring municipalities:

• Boucau (to the north);
• Anglet (to the west);
• Bassussarry (southwest);
• Villefranque (to the south);
• Saint-Pierre-d’Irube (to the southeast);
• Lahonce (to the east);
• Tarnos (northeast).

Renowned for its strategic location between the mountains and the ocean, the city offers the best of both worlds: the natural and the urban.

A City Looking Toward the Future

A rapidly developing city, Bayonne serves as the economic, administrative, and cultural capital of the Basque Coast. As part of the BAB (Bayonne-Anglet-Biarritz) metropolitan area, it is home to a large number of businesses, particularly in its Technocité zone. With capacity for 250 businesses, this major economic hub currently houses 20 companies.

Bayonne, a young and dynamic city, has 33,836 residents aged 15 to 64, 73.7% of whom are in the workforce, according to theINSEE. The unemployment rate stands at just 8.7%. In 2022, 843 businesses were launched, 75.9% of which were sole proprietorships.

A unique town designated as a “City of Art and History”

Since 2011, the city has held the “City of Art and History” designation, an honor awarded by the Ministry of Culture. This comes as no surprise given the town’s rich history and culture. Indeed, Bayonne is a veritable open-air museum! The uniqueness of its architecture makes it the most iconic city in the Basque Country. Its winding alleyways are lined with “Labourdine houses.” These are characterized by their asymmetrical roofs, their exposed and colorful half-timbering, and their whitewashed walls.

A city steeped in history, Bayonne is home to about twenty monuments, including:

• St. Mary’s Cathedral in Bayonne, which is a UNESCO World Heritage Site;
• Marraq Castle;
• the Jewish Cemetery in Bayonne;
• The Bayonne Synagogue.

An unparalleled hub for the arts, the city also hosts the famous Bayonne Festival every year. It is one of France’s most popular festive events, attracting nearly 1 million summer visitors every August. The festival features traditional music, dance, and cuisine that celebrate Basque heritage.

Bayonne: France’s second-best city to live in by 2025

Bayonne proudly ranks second on the list of cities with the highest quality of life, according to the ranking by theVilles et Villages association. It ranked 2nd out of 34,850 cities nationwide. The criteria included, among other things, quality of life, health, safety, transportation, and more.

A well-deserved ranking, as Bayonne is a city on a human scale that offers a high quality of life to both visitors and residents. With its mild climate and proximity to the mountains, the sea, and Spain, there’s no shortage of opportunities for getaways.

The city is close to all the amenities needed to meet the needs of its residents. It is home to 1,570 small businesses and retail establishments (stores, restaurants, bars, pharmacies, etc.).

In terms of transportation, the city is also well-connected. To get around town, Bayonne residents can choose from 16 bus routes, including the two tram-bus lines, T1 and T2.

Moving to Bayonne: What Are the Best Neighborhoods?

To help you quickly and easily find the best neighborhood to live in Bayonne, here are our top 5 picks:

Real Estate in Bayonne: Prices per Square Meter in 2025

An unconventional tourist destination, Bayonne has a dynamic real estate market. TheThe city has seen a 22.9% increase in prices per square meter over the past 5 years and a 67.9% increase over the past 10 years. As of February 2025, here is the trend in Bayonne’s real estate prices:

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Check the overall condition of the house

The quality and condition of the house are key factors that often require the advice of an expert or a real estate agent. During your first visit, pay special attention to:

• Theyear of construction : Building materials and techniques vary greatly from one era to another. Find out about the building codes in effect during each period.
• The presence of moisture or mold : these are telltale signs of more serious problems. Inspect the walls, ceilings, windows, and basement. High humidity levels can affect the health of the occupants.
• Thethermal and sound insulation of walls, roofs, and windows: consult a building expert to assess their performance.
• The potential cracks : Some may indicate serious structural defects in the foundation. An inspection is recommended.
• Compliance of all facilities (swimming pool, electrical system, etc.) with building codes in effect in the municipality. If the house is less than 10 years old, be sure to verify the compliance of the systems by requesting to see the certificate of compliance issued by city hall after construction.
• Learn more about past claims (floods, fires, water damage) and the risk of future claims. With climate change, this is a factor that should not be overlooked.

If you have any doubts, we recommend consulting one or more professionals, especially if you are planning major construction work. If necessary, you can contact your local city hall or prefecture to check whether your municipality is affected by technological or natural hazards.

Questions About Renovations That Have Been Done and Those Planned

Ask the seller about:

• The recent renovation work : When and by whom (a qualified professional?) were they carried out? Ask to see the itemized invoices.
• The existence of warranties that are still valid on the roof, doors and windows, plumbing, etc. Are these warranties transferable to the new buyer?
• The renovations to plan for in the near future: roofing, insulation, wall and floor repairs, kitchen and bathroom upgrades, etc. Get an accurate cost estimate from a professional.

Financial Issues and Associated Costs

The budget is a key consideration when buying any property. Here is the key information you need to obtain.

• Sale Price : Does it really match your initial budget? Compare it with similar properties that have recently sold in the same area.
• Property Taxes : Ask the current owner for the exact amount paid. Property taxes tend to increase every year.
• Utility Bills : electricity, water, gas, heating, etc. Be sure to ask to see detailed bills covering at least the past 12 months.
• Home Insurance : Run some simulations to estimate your future annual premiums. Choose a home that’s easy to insure.
• Notary fees : between 7 and 8% of the purchase price. Administrative fees, notary fees, etc.

These questions will help you better estimate the total costs involved in your real estate purchase.

Appreciation and Resale Potential

• Development Projects : Contact City Hall directly to find out about planned developments in the neighborhood over the next 5 years (construction, infrastructure, etc.).
• Get an estimate of the potential resale value in a few years from a real estate professional. Does the estimated appreciation justify the investment?
• Find out about grants and subsidies available for your future renovation projects. Such grants can also help you increase the property’s value at a lower cost.

Questions About the Neighborhood and Amenities

The neighborhood surrounding a home has a significant impact on your day-to-day quality of life. It’s not uncommon to find homeowners who want to sell because they no longer feel comfortable in the neighborhood. It’s therefore important to ask the seller a variety of questions:

Safety and the Neighborhood

• Is the Is the neighborhood really quiet ? Take a walk through the streets at different times of the day and evening.
• Have there been any frequent in the neighborhood in recent years? Find out about the crime rate.
• Are there any noise pollution or neighborhood issues ? Talk to several local residents before making your decision.

Neighborhood Amenities and Transportation

• Where exactly are the public transitand the schools, and stores? Test your routes during rush hour.
• Are there enough parking spaces on the street? Are there any public parking lots nearby?
• Are there any bike paths to make it easy to get around by bike?

Specific Questions for Condominiums

There are a few additional questions you should ask yourself if you’re considering buying a condominium:

• Condominium fees : Check the average annual amount and what they include (running costs, heating, building superintendent, etc.).
• Upcoming Projects : elevator installation, facade renovation, roof repair, etc. Carefully assess their future financial impact.
• Condominium Rules and Regulations : Read them carefully to learn about the rules you must follow before making your decision.

In conclusion

Here are the key points to keep in mind to best prepare for your home tours:

• Carefully inspect all areas and take photos.
• Find out about the renovations that have been completed and those that are planned.
• Accurately estimate all direct costs (price, taxes, labor, etc.) and indirect costs.
• Conduct an in-depth analysis of the neighborhood’s strengths and weaknesses.
• Feel free to ask any questions you may have!

With the right preparation and guidance, you’ll be able to buy your home with complete peace of mind. Don’t hesitate to contact L’Agencerie for personalized support with your home-buying project.

– L’Agencerie

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There are essentially two types of collateral that allow banks to protect themselves in the event of a borrower’s default: a mortgage and a bank guarantee. Each of these forms of collateral has its own specific characteristics, advantages, and disadvantages. Our goal with this article is to help you make the best choice between a mortgage and a bank guarantee.

The Mortgage: The Traditional Form of Security for a Home Loan

A mortgage used as collateral for a home loan is called a conventional mortgage. It is important to distinguish this from a judicial mortgage, which allows a creditor to recover the debt.

A conventional mortgage can be viewed as a security deposit on the very object of the loan—namely, the real estate property. In the event of default, the house or apartment is foreclosed upon and sold to repay the lender (bank or credit institution).

A mortgage has the same term as the mortgage loan. It must be executed before a notary and is registered in the land registry. If the mortgage payments are made on time, the mortgage registration is automatically removed after one year. No action is required to confirm this removal.

The cost of the mortgage includes the notary’s fees for registering it, administrative fees, VAT, and the land registry fee. It is therefore also one of the expenses to factor into the cost of purchasing a home.

It is possible to release a mortgage before the loan matures. This is referred to as filing a request for release. This is typically done in the event of early repayment. It is also done if you sell your property before the loan is fully repaid or in the event of a loan consolidation. This may happen, for example, if you plan to move to Hossegor or Albi while you still have an outstanding loan in Paris and you sell your property to make this life change a reality. You should expect to pay release fees.

A guarantor: a popular alternative for securing a mortgage

A guarantee, also known as a surety, is a form of security provided by a bank, an insurance company, or a specialized organization. More specifically, this entity acts as a guarantor to the lender in the event that the borrower can no longer repay the loan. It will then be responsible for paying the remaining monthly installments.

The cost of a real estate guarantee includes the commission paid to the company that issues the guarantee. It also includes the contribution to the Mutual Guarantee Fund (FMG). This reserve fund enables the company to guarantee repayment in the event of the borrower’s default before the end of the loan term. Depending on the institution chosen, it is possible to recover up to 75% of the amount contributed to the FMG.

Unlike a mortgage, there are no fees to pay to guarantee companies if you repay the loan early or sell the property before the term ends.

There is what is known as a joint and several guarantee, in which the guarantee company is replaced by one or more individuals. This is usually a close relative.

Mortgage or Security Deposit: Which Is the Better Choice?

From a financial standpoint, using a surety company remains the most advantageous option. The cost of a mortgage guarantee can, in fact, be up to twice that of a bank guarantee depending on the amount of the mortgage and the type of property. Furthermore, this type of guarantee does not incur any additional fees in the event of early repayment or if you transfer your mortgage to another lender.

In some cases, it is not possible to use a surety company. Here are the situations in which a surety bond is not an option:

• Off-Plan Sales (VEFA): purchasing off-plan does not allow for the use of a surety bond;
• Social Housing Loans (PAS);
• A zero-interest loan (PTZ) combined with a PAS;
• Self-build;
• A mortgage with no down payment is subject to the bank’s approval.

In this case, a mortgage is required.

A mortgage is also a good option for buyers who do not wish to make early payments and who plan to keep their home for the long term. In fact, without the release fees, the cost is roughly the same as a security deposit.

Generally speaking, a security deposit is easier to arrange than a mortgage. In fact, six out of ten French people have chosen it to secure their loan. However, you should pay close attention to the provider chosen by the bank. If you find the offer unattractive, consider asking the lender for a list of authorized guarantor companies and compare their offers. Feel free to consult our guide for first-time homebuyers if you’d like more advice on your project.

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