Hi everyone, I am sure the questions below have been covered a million times, but I have ploughed through many pages and are still confused. So if someone who has practical experience of something similar - please put me out of my misery: Can you answer the following:- 1. If you have clause tontine in your contract for your permanent french home, on the first death, does the survivor pay 100% inheritance tax on the whole of the value of the property - or anything over 76,000€? (I have been given two different answers from notaires). 2. Is it necessary to break the clause tontine before you can arrange a communaute mutuelle? Does this cost a lot? 3. If you have already owned your home for a few years and you arrange a communaute mutuelle, roughly how much should this cost through a notaire? Again I have spoken to people who have paid so many different prices. 4. I presume the contract has to be registered somewhere, but understand that some people are being charged a tax for doing so? 5. Does anyone know a good english speaking Notaire in Dept 17 or 16, who has conducted this procedure for you, successfully? I know this is a lot to cover, but I am going round the bend trying to get to the bottom of this one - there doesn't seem to be anything deffinitely in writing to look up - or maybe there has but I havn't found it! Thanks so much, dogsRus