Spring 2025 is shaping up to be a favorable period for mortgage borrowers! The decline in mortgage interest rates continues, confirmed by a stabilization in April 2025, largely thanks to supportive monetary policy from the European Central Bank.
Since March 2025, it has once again become possible to obtain a mortgage rate below 3% for the best profiles, especially for loan terms of 10, 15, or 20 years, and this positive trend appears to be taking hold.
Another piece of good news for homebuyers: as of April 1st, the PTZ (Zero-Interest Loan) has officially been renewed and extended throughout mainland France for new property purchases, including new houses.
Here’s a detailed overview of mortgage rates in France for April 2025, with an analysis of market trends, forecasts for the coming months, and expert advice from Capifrance for both homebuyers and property sellers.
Mortgage Rate Barometer in France – April 2025
According to the latest data published by mortgage brokers and lending experts, the average home loan rates observed in April 2025 are as follows:
| Loan Term | Lowest Rate | Average Rate | Highest Rate |
|---|---|---|---|
| 10 years | 2.77% | 3.02% | 3.48% |
| 15 years | 2.80% | 3.08% | 3.71% |
| 20 years | 2.89% | 3.08% | 3.84% |
| 25 years | 2.99% | 3.21% | 3.98% |
Source: Cafpi
Rate Analysis for April
These figures confirm the downward trend that began in late 2024, with signs of stabilization around 3% for competitive and average rates. The best borrower profiles (with a down payment, permanent employment contracts, solid budget management, and strong guarantees) can still negotiate rates below average, starting from 2.77% over 10 years.
Evolution of Mortgage Rates in Late 2024 and Early 2025 in France
| Period | 10 years | 15 years | 20 years | 25 years |
|---|---|---|---|---|
| Dec. 2024 | 3.04% | 3.28% | 3.36% | 3.47% |
| Jan. 2025 | 3.00% | 3.25% | 3.31% | 3.40% |
| Feb. 2025 | 2.99% | 3.16% | 3.24% | 3.32% |
| Mar. 2025 | 2.91% | 3.08% | 3.13% | 3.24% |
| Apr. 2025 | 2.77% (min) | 2.80% (min) | 2.89% (min) | 2.99% (min) |
Source: Cafpi
Mortgage rates in April 2025 are among the most competitive on the market, continuing the steady downward trend seen in recent months.
While average rates are stabilizing around 3% for long-term loans (20 to 25 years),
Strong banking competition is driving increasingly attractive rates this spring 2025, particularly for short-term loans (10 to 15 years) for top-tier borrowers.
Also read: Mortgage rates in March 2025
Key Factors Driving French Mortgage Rates in April 2025
New ECB Rate Cut
On March 12, 2025, as expected, the European Central Bank (ECB) implemented its fifth consecutive cut to key interest rates:
Main refinancing rate: 2.65%
Deposit facility rate: 2.50%
Marginal lending rate: 2.90%
Sources: Ymanci, Le Figaro
As a result, banks have access to cheaper liquidity, which encourages them to ease lending conditions and offer more competitive mortgage rates—particularly for short- and medium-term loans with down payments.
Short-Term Inflation Under Control
Eurozone inflation dropped to 2.5% in January 2025, according to the ECB. This gradual disinflation reassures markets and supports a more accommodative monetary policy. However, inflation forecasts for 2026 and 2027 remain uncertain, which partly explains why banks are reluctant to further lower mortgage rates for 20- or 25-year terms for now.
Intensified Competition Among French Banks
After several years of declining demand and high mortgage rates in 2023 and 2024, banks are now adopting more aggressive commercial strategies to attract qualified borrowers amid a budding recovery in the French housing market.
There is real room for negotiation on 10-, 15-, and even 7-year mortgage rates since March 2025. On these short and medium terms, the decline toward 2.75% continues—excellent news this April 2025 for buyers with solid financial profiles and substantial down payments.
Forecasts for the Remainder of 2025 in Terms of Real Estate Financing
The most cautious experts and mortgage brokers anticipate that the best rates will stabilize between 2.75% and 3% in the coming months, with good borrowing opportunities to seize before a potential rebound in summer or autumn if economic conditions tighten.
The more optimistic financial analysts even suggest that mortgage rates could continue to decline toward 2.5%—a bold prediction that remains to be seen.
On the other hand, the slowing decrease in average long-term interest rates could be interpreted by the more pessimistic as a sign of stagnation. While a new rate hike in the second half of 2025 is not guaranteed, a prolonged stabilization phase around 3% seems increasingly likely.
What Will Be the Key Factors Shaping Mortgage Rates in Late 2025?
The future evolution of mortgage costs will depend on several elements:
Whether or not the ECB continues to cut its key rates in 2025
The pace of economic recovery and inflation in the Eurozone
Real estate supply and demand, particularly as summer approaches
Any new government decisions or decrees to stimulate the French property market
Extension of the PTZ (Zero-Interest Loan) Since April 1, 2025
The PTZ (Prêt à Taux Zéro) has been renewed and expanded across France in 2025 for the purchase of new homes, whether apartments or houses. For older properties, the same conditions as in 2024 still apply.
Targeting young households, first-time buyers, and modest-income earners, this valuable financial aid can cover up to 50% of a home purchase, depending on income and eligibility criteria—effectively boosting borrowing capacity this year.
Tips for Homebuyers in April 2025
The financial climate in April 2025 is particularly favorable for buyers, thanks to the extension of the PTZ and continuing low mortgage rates. To get the best deal, preparation is key. Here are three essential tips to optimize your financing and secure your real estate project.
1. Take Advantage of Today’s Unique Borrowing Opportunity
With average mortgage rates hovering around 3% and the best deals starting at 2.65%, April 2025 presents a strategic window. Why is now the right time to buy?
The market is recovering, particularly in high-demand and attractive areas such as major cities, coastal zones, and well-connected or developing urban areas. As transactions pick up, property prices are beginning to rise again in many parts of France.
Rates have fallen significantly over the past six months—but there’s no guarantee that this downward trend will continue. In fact, a potential rebound in the second half of 2025 cannot be ruled out, especially considering ongoing global geopolitical uncertainties.
The PTZ extension in 2025 is an opportunity not to miss. Check your eligibility based on your income and the type of property you're planning to buy—whether new or an older home requiring renovation.
Conclusion: Make the most of this favorable window to secure the best mortgage offers and reasonable property prices. Banks are fiercely competing for new borrowers—use this to your advantage!
2. Strengthen Your Borrower Profile to Secure a Better Rate
A solid, low-risk profile will give you better negotiating power. Key factors include:
A down payment of at least 10%
Stable income (e.g., permanent contract, or steady freelance/professional earnings)
A debt-to-income ratio below 35%
Sufficient savings remaining after the purchase
3. Work With a Broker and a Capifrance Advisor for Peace of Mind
Our partner brokers have access to exclusive negotiated rates from lenders. Their expertise will help you:
Compare mortgage offers efficiently
Structure your financing plan
Connect with the most responsive and competitive banks
In parallel, your Capifrance real estate advisor will support you at every stage of your property purchase:
Helping you prepare your project and buyer file
Finding the best properties for sale in your area
Advising you on evaluating the property you're interested in
Assisting with negotiations and contract finalization
Tips for Sellers in April 2025
Planning to sell your house, apartment, plot of land, or business premises? The April 2025 market also offers good opportunities for sellers, thanks to a gradual rebound in demand driven by lower mortgage rates.
1. Set the Right Price With a Professional Valuation
Even though interest rates have dropped, buyers remain highly price-sensitive. A realistic asking price is key to avoiding stagnation and ensuring a quick sale. A Capifrance advisor can provide you with a precise and reliable property valuation in France based on current local and national market data.
2. Maximize the Appeal of Your Property
Although demand is rising, competition remains strong in some segments. To stand out:
Invest in home staging and interior decoration
Carry out light renovations (painting, energy improvements to boost DPE rating)
Use professional photos and videos
Ensure high-quality listing presentation and broad visibility
Capifrance enhances your property’s visibility with 3D home staging, drone videos, and virtual tours.
We also publish your real estate listings in France on top property platforms like Se Loger, Le Bon Coin, Bien’ici, and more—to maximize exposure and attract serious buyers.
3. Prepare Your Seller File in Advance
Gather all required documents:
Mandatory diagnostics (DPE, etc.)
Title deeds
Floor plans
Condo charges (if applicable)
Any other necessary records for the sale process
A well-prepared property sale file reassures buyers and helps speed up the process. Need help selling your property? Contact your local Capifrance real estate advisor in France and benefit from our expert guidance to secure and simplify your sale.
Author: Frédéric REMY, Director of Commercial Performance at Capifrance
“As a long-standing professional within the Capifrance network, I’m happy to share key insights and advice to help you succeed in your real estate project alongside our advisors.”
