Real Estate in Gascony France
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Real Estate in Gascony France
By Rosemary Jaworsky
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For some of you, Gascony is the tale of dÁrtagnan and the 3 musketeers, but for those of us privileged to have found this beautiful and as yet, truly unspoilt part of South West France, it is paradise found!

The Gers region lies south of Bordeaux, north of the Pyrenees, east of a 200 kilometre stretch of white sand Atlantic beaches from Biarritz to Arcachon, and west of Toulouse.  Given its highly desirable proximity to Bordeaux, Pau, Toulouse and Biarritz airports, it makes for an ideal hub for both winter and summer vacations.  Pau being the gateway for French and Spanish skiing and snowboarding in winter and French and Spanish beach resorts in summer. 

Gascony -  South West France
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Bordeaux to the north is of course the major gateway to one of the most well recognized wine regions in France, while Toulouse to the east opens the way to the Mediterranean coast.  Forays into Spain are fun and an easy day trip.

Gascony is a vast area, long fought over by the French, Romans, British and Spanish.  It is a land rich in culture and as diverse in its history.  There lies evidence in almost every village of its earlier invaders and inhabitants, going back some 2000 years.

The region is full of magnificent splendour, chateaux, bastides, rolling hills, sunflowers and of course a great viticulture.  Not only is it the birthplace of King Henry IV and Sweden´s first foreign appointed king, it is also the birthplace of Armagnac, a relatively unknown “eau de vie” outside of France, but considered by many, to be equal in character and taste to that of its better known kin, Cognac.

The Bas Armagnac and the Cotes de Gascogne region doesn´t have the international recognition it truly deserves.  It should, for it produces wines of outstanding character.  In  particular, for my taste, a recent sampling of a local red and white from the Cotes de Saint Mont was difficult to distinguish from a great Californian wine maker I have a penchant for, at a fraction of the price.  Then there are light, fruity whites such as the local grown Florenbelle and Colombelle, priced at less than a bottle of Perrier.
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Future Fois Gras
When you couple the wines, Armagnac, Floc and Bellsandrine (the latter two being aperitifs), with the Gascon cuisine such as foie gras, magret de canard and confit de canard, you will know you have discovered the great gastronomy of Gascony.  The Gascons certainly enjoy their food and are equally proud of how they raise their pure corn-fed geese and ducks for the highly prized, foie gras.  Forced livers.   The Gers´ highly acclaimed stamp of approval on their meats and produce attests for having been raised or grown in plein aire!  Then add the rolling vineyards and carpeted hills of sunflowers and field of yellow flax and you know you are in paradise.  With food and beverage aside, this is an area of great beauty and charm and yet it is still relatively untouched and waiting to be discovered

Sharing this part of paradise is to escape to a calmer, less stressful, less litigious, less “must have”, way of life.  Here wealth lies in the “soil”, body and mind!  There are few fancy cars and few signs of overt and extravagant displays of wealth.  What you will find are happy, smiling, healthy land-loving people.  It is not uncommon for a retired person to continue to manage his vineyard, build his own fences, raise his livestock and produce his own wine, and consider him self retired.  Many attest that it is due to the daily consumption of fat from the goose, which is used in all kinds of Gascon cooking.  With the average life expectancy rate in this part of France at 94 years, who would argue?

Living in Gascony, is indeed another way of life.  It is tranquil, slow, yet refreshing and enlightening.  We have found the local citizens, on many an occasion, to be more Spanish than French and Spanish customs and influence abounds, with tapas and paella to name but a few.  But perhaps the biggest Spanish custom is that of the Corridor….. The bullfights.  Almost every village has its own bullring with the traditional Spanish Corridor and the South West French version called “course landaise”, where the bull is spared!  I do prefer the French version!    And no Corridor would be complete without the village brass band, opening and closing all of the festivities.  It is also a region where people possess a very strong and individual identity, no doubt due to its shared border with the Spanish Basque people.  In fact, many of the older residents speak Spanish, which was taught as their second language in school. Now it is English.  In addition, the local dialect Occitan is a language that pre-dates the Roman occupation, but is sadly fading.

Here in Gascony, and in particular the Gers, is a part of France that seems to have been left behind modern times.  It is still one of the most rural departments, least populated, least industrialized and as yet, unspoilt.  Crime is almost unheard of, and where else can you leave your car and house doors unlocked?   One of our neighbours speaks of their former life in Lille where even the police are afraid of apprehending suspicious looking persons for fear of retribution.  To return to the country is truly to enjoy a long lost way of life.

The Gers is a wonderful place for vacations, catering to sporting events, being the home of the famous NOGARO motor track. Cycling enthusiasts appreciate the close proximity of the route for the Tour de France. Flight schools, walking, touring, wine tasting and of course sampling of the local Gascon cuisine are all available to enjoy.  For young families, the area has a number of rivers and large lakes with sandy beaches offering an array of aquatic activities.  For the golf enthusiasts, there are a few courses, but perhaps it is the diverse number of musical festivals that bring in a large number of tourists, with the Marciac jazz festival having world renowned fame.
Course Landaise -  where the bull is spared

The average foreign resident is either retired or usually self employed, since employment opportunities are very low.  Industry is almost unheard of in the western Gers, and unfortunately for the young, opportunities to stay in the area are difficult to obtain.  Many students graduating school opt for the larger cities of Bordeaux and Toulouse.  For the gifted artisan, self employment is usually the route.  Employment for a non-European is almost impossible.  Usually, the Europeans who do come and reside in the area find themselves working in the building and restoration business or find themselves running a form of hospitality business, such as a small B&B or Gite business.  Others with bi-lingual ability seem to do quite well in real estate for foreign buyers.

The second home market attracts a number of Europeans primarily from England, Ireland, Belgium, and Holland and of recent note, Scandinavia.  With a huge number of discount airlines flying in to the area and opening up numerous new routes, the second home market is booming.  There are multiple flights per day and there are more than a dozen new easy access routes into the region, flying in from an equal number of different locations in the UK, and Ireland alone.  Most of these flights are under 1 ½ hours from the UK, and with one way flight often costing less than 50.00 euros, a secondary home in the sun has become very affordable.   A new direct, daily flight from Stockholm to Bordeaux was introduced this spring by Sterling, opening up yet another location in the sun for sun loving Scandinavians, and Ryan air now has a direct flight from Dublin to Biarritz.  The American enclaves have usually kept to Bordeaux and Toulouse where they have active social clubs.  A few are now venturing into the heart of the Gers.
 
With easy, hassle free flights into smaller airports, retrieving luggage and getting into your car rental often takes less than 30 minutes.  The western Gers from Bordeaux and Toulouse and Biarritz is about 1 ½ hours by car, and less than 1 hour from Pau. Fortunately, roads in the region are free of congestion and other than the fast driving Frenchman, are generally easy to navigate. Do watch out though for all of the farming vehicles, which are numerous in spring and fall.  After the grape picking is over, the roads become strangely quiet again.  Unfortunately, the one big complaint is the absence of good public transportation, which is sorely lacking.  Train and bus service is very limited.  A car is essential, or take a motorbike or cycle for those easy trips in to the local village. 
Acres of sunflowers

A few other frustrating ways of the French includes the closing of small business for at least 2 hours for lunch and the infuriating 35 hour working week, which effectively closes a lot of small shops on Monday too.
The Gers however has a unique and enviable South West climate.  It is protected from the harsh Atlantic winds in winter by its neighbour to the West, the Landes department and is sheltered from snow in winter by the tall Pyrenees and it enjoys mild and early springs, often calling in February.  The long languorous summers continue well into October and finally close with a late autumn before the onset of winter in late November.  This part of the western Gers has been blessed with a micro climate.  Bathed in magnificent light and sunshine for almost 9 months of year and with a relatively dry climate, makes for excellent outdoor recreational activities and almost year round al-fresco dining.  It is not unheard of for the local Brits in residence to enjoy their Christmas dinner, al-fresco, in some years.

In summer, day temperatures climb up into the high 80´sF and low 90´sF, with spring and fall temperatures hovering in the mid 70´sF.  Refreshingly, the nights stay cool, with no need for air conditioning. It is as close as I know to the climate of Napa and Sonoma valleys.  No wonder some of the wines here could easily stand alongside some of the gold medal winners of California, but without the same price tag.

So, for those of you who might like to explore this region, or even have thoughts of an “escape”, a few things to keep in mind.  A little French goes a long way and a little Spanish makes things easier too.  For the most part, English is widely spoken and is growing with tourism.

Many of the Gers´ traditional homebuyers are from England, Belgium and Holland, but today there seems to be renewed interest from the French too, who are moving in to escape the large, crowded and often crime ridden cities.  Good properties move quickly.

So what does all of this do to house prices?  Well, they are heading upwards, but not at the same pace as other well known, very pricey and British invaded places such as Provence and the Dordogne, where a small 3 bedroom cottage, more than one hour from the coast will set you back more than 400,000.00 euros.  Here is the western Gers, depending on your budget, 100,000.00 – 1,000,000.00 plus …. You can still find a nice cottage for 200 thousand euros and if you don´t mind lots of hands-on work, it is still possible to buy for under 100 thousand euros.

For some people though, the thought of owning a home or vacation property in a traditionally non English speaking area can be daunting.  Dealing with the taxes, insurance, property maintenance, etc. and when only using it 3 – 4 times each year, it is often not cost effective.  Handling rentals from a long distance can also be difficult and without good local management almost impossible.
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A typical house in Gascony
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Colourful Gers
However, there is a way to have your cake and eat it too.  Ever thought of co-ownership?  In France, there is a vehicle, specifically set up to take advantage of co-home ownership.  It is called an SCI company (Society Civile Immobilier).  An SCI allows for any number of its shareholders to purchase and own a property outright.
This is not a time share program.  For example, when 4 families decide to buy a property to share,  providing each family agrees to 25% ownership, then once a property is found, the capital to buy the property is first put into an SCI company (with the use of a notaire), creating a company with shareholders.  The SCI then buys the property, giving each shareholder equal rights and ownership of the property.  Then a legal document called a “Home Owner´s Operating Agreement” is drawn up, (prepared by a notaire or local avocaat) where all shareholders are bound and governed by the same rules of ownership, use and property maintenance and operating costs.  So, each family would have the sole right of use for 13 weeks each year and each family would have a 25% obligation to an annual fund to cover taxes, insurance, utilities, property maintenance, etc., thus spreading both the initial purchase costs and annual operating costs between 4 families.  This still provides plenty of vacation time for most families, spread over 13 weeks each year.  When not in use the property could be rented out to create additional income.
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Note. There are good inheritance law advantages gained when buying a property through an SCI.  Also, as a shareholder, the SCI allows for the sale transfer and assignment of shares at any time.
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A second form of shared home ownership, not unlike the above, is when a much larger property is desired, and these are often these are on the market, since they are not economical for one family ownership.  In this case a large property may have a main farm house with a number of outbuildings.  These could be former wine making building, stables, storage building and even bread maker´s building.  Following local rules governing refurbishment and renovation, it would then be possible to convert the secondary buildings into vacation residences.  For example, a restored property with several refurbished outbuilding may provide 4 – 5 individual vacation cottages, all on one property.  Again, capital would be invested in the SCI company and the shareholders would then have an individual ownership in a “defined” building but with co-ownership of the entire property.  This is also managed through the creation of a Home Operating Agreement, but in this case, annual fees would normally only cover taxes, building insurance, grounds maintenance, pool use, and possibly water use, with electricity, heat and personal content insurance being paid for separately. 

The above two non traditional foreign home ownership options may be of interest to those persons wanting to test the overseas market, but with a more cautious approach to that of full home ownership. 

Whatever your dreams, if you have an interest in France, come and visit Gascony.  Once you do, it will be hard to tempt you away.
 
Note:  Author´s warning:  When searching for a property in Gascony there is no such things as a MLS listing! (Not in any of France to my knowledge).  Therefore, beware when contacting numerous real estate companies.  Since there is no MLS and almost NO exclusives, it is not uncommon to see a property with 3 different agents and at 3 different prices!!!  The reason being, there is no difference between a selling agent and buyer´s agent and real estate fees can  range from 4% to 7.5%, which are for the buyers account!  Most agents want you to buy their proerties!  When buying in France, be prepared to add about 10% to the house price for Notaire, taxes, fees, commissions, etc.
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For more information and ideas on buying in Gascony  you can contact the author of this article
Rosemary Jaworsky
email her on:

rosemary.jaworsky@wanadoo.fr

Canteau@hotmail.co.uk

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Useful links to related sites and resources:
Jean Taquet's Insider Guide to Living in France - Jean Taquet's Insider Guide to Living in France - This is not a book written by a US College drop out, this fully detailed Ebook is written by a French jurist and associate member of the Delaware Bar Association, specializes in civil, criminal and commercial law. He frequently gives courses about the legal system in France and speaks regularly at Working, Living and Investing in France conferences - If you want to live in France - get this report!
Moving To Charente - Living In Rural France - Moving To Charente - Living In Rural France - Above the ground floor there were steps leading to the grenier, where thick ancient beams held up the old tiled roof. The attic walls would need fixing. We ducked below hanging curtains of cobwebs to check out the small finished bedroom at the end, that lay hidden behind a rough cinderblock wall. It was usable, with nice large arched windows. ...magnificent overhead beams, some ancient, some newer, in every ceiling. Steps down lead to a huge great room with fireplace, and a modest typical French kitchen at one end. By Diana Kingham
How To Obtain A French Driving License -  How To Obtain A French Driving License - Your American license is exchangeable for a French license if it is from one of the following states: Connecticut, Illinois, Kansas, Michigan, New Hampshire, South Carolina and Kentucky (Please note this list can change at any time!). If you think I missed a state, then call your local Préfecture or sous Préfecture or French embassy/consulate. They will tell you if your license is exchangeable
FINANCING YOUR FRENCH PROPERTY - FINANCING YOUR FRENCH PROPERTY - As a foreigner buying property in France, we recommend obtaining the mortgage through a French bank for two very important reasons. First, because our agency is in daily communication with several of the largest financial institutions in Europe and can therefore help you receive the credit you are looking for (which are not obtainable by individual devices). Most of these banks specialize in non-resident loans, and we will be there to guide you through the process to be sure everything runs smoothly. Second, because in the case of a Leaseback program you will receive your rental income in €uros.
You want to live overseas and travel overseas, but how do you make a living? - You want to live overseas and travel overseas, but how do you make a living? - Our own magazine is looking for a specific type of writer. Get the details on this offer and a travel writers course in Paris, France
Living in France - Moving to France - Real Estate in FranceLiving in France - Moving to France - Real Estate in France
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