Current context of mortgage rates
After a continuous fall in interest rates since the start of 2024, a slight rise was observed in April 2025. This fluctuation is mainly due to the rise in 10-year French government bonds (OAT), which directly influence mortgage rates. However, the European Central Bank (ECB) has recently lowered its key rates for the seventh consecutive time, suggesting a possible stabilisation or future fall in mortgage rates.
Advantages of buying now
Despite the slight rise in rates in April, several factors make buying property attractive:
- Still competitive rates: Rates remain historically low, offering favourable financing conditions.
- Dynamic property market: Transaction volumes have risen by 4% nationally since the start of 2025, indicating a market recovery.
- Advantageous bank offers: Financial institutions are offering attractive conditions to attract new customers.
Risks of waiting until the summer
Waiting until the summer to buy a property carries certain risks:
- Rising rates: Rates could continue to rise, making borrowing more expensive.
- Rising property prices: A recovery in demand could lead to an increase in property prices.
- Reduction in financial assistance: Home-buying assistance schemes could be amended or abolished.
Conclusion
Given the current market conditions and the forecasts for the coming months, it seems wise to consider buying a property now rather than waiting until the summer. Interest rates remain attractive, the market is showing signs of recovery, and financing conditions are favourable.
At Althenor, we are at your disposal to support you with your property project and help you seize the best opportunities on the market.