Mortgage Loans 2026: Rate Stability and Renewed Confidence

Harald StarkePresident, Riviera Keys

After a period of high rate tension, the real estate market is confirming its recovery. Signals at the start of 2026 are encouraging, both in terms of transaction volumes and financing.

2025: A Year of Recovery

According to data from our partner Immoprêt, 2025 marked a real rebound in activity, with nearly 950,000 transactions and €142 billion in loans disbursed, compared to 780,000 sales and €132 billion in 2024, an increase of around 8%.

This growth reflects the gradual return of household confidence, in a context of rate stabilization and price adjustments.

Where Do Rates Stand in February 2026?

According to the Immoprêt barometer (February 2026), fixed rates excluding insurance are around 3.30% – 3.50%. Some particularly strong cases can even reach 3.10% over 20 years, depending on the borrower’s profile.

Another interesting point: the Mediterranean region currently stands out with slightly lower rates than the national average.

Borrowed Amounts Are Rising Again

As noted by Le Figaro Immobilier, the total amount borrowed in 2025 to finance home purchases increased significantly. This rebound confirms the gradual reactivation of the mortgage market.

A Rate Drop in 2026: A Credible Scenario?

Still according to Le Figaro Immobilier, a rate drop in 2026 is possible but will mainly depend on:

• inflation developments,
• decisions by the European Central Bank,
• and banking competition.

In the short term, experts anticipate stability, with occasional adjustments depending on the borrower profile.

Securing Your Project: Key in a Demanding Market

In this context, anticipation remains essential. Immoprêt highlights the “certified budget,” a document that validates a project’s feasibility in advance.

A real advantage to:

• reassure sellers,
• strengthen buyer credibility,
• and secure transactions.

In Summary
✔️ The mortgage market is recovering.
✔️ Rates at the start of 2026 are stable around 3.30% – 3.50%.
✔️ A slight easing is possible, but caution prevails.
✔️ Having your financing pre-approved is more strategic than ever.

📞 Planning a Real Estate Project in 2026?

To assess your borrowing capacity, optimize your rate, or secure your project, you can contact our partner:

Sabrina GUITOUN
Mortgage Loan Expert
Immoprêt – Mougins Agency
📞 +33 6 62 99 84 24
✉️ sabrina.guitoun@immopret.fr

Sources

• Immoprêt Mougins – February 2026 Rate Barometer
• Le Figaro Immobilier, “Mortgage lending: total amount borrowed last year…” (February 9, 2026)
• Le Figaro Immobilier, “Could mortgage rates finally drop in 2026?” (February 5, 2026)