After a year 2025 marked by persistent volatility in financial markets and major political uncertainty, December finally brings a breath of fresh air for future buyers. Mortgage rates are stabilizing around an average of 3.10%, offering an unexpected window of opportunity before the announced rise in 2026. This easing, although temporary, could save several thousand euros for savvy borrowers who know how to take advantage of it.
Here are the most important levers.
1. The stabilization of rates in December 2025
Contrary to the pessimistic predictions at the beginning of the year, December 2025 marks an unexpected turning point in the mortgage market. 📊 3.10% in December 2025 – Average mortgage rate. Specialized brokers are observing a remarkable stabilization of bank rate grids, with virtually no variations for several weeks.
2. Maximizing the debt ratio for “cross-border workers”
Even though the regulatory debt ratio remains around 35%, some banks adopt a more flexible margin for cross-border workers, depending on:
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the stability of the Swiss employment contract,
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the level of income in CHF,
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the family situation,
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existing financial commitments.
“Good profiles” may obtain slightly higher ratios.
Here again, practices vary greatly from one bank to another.
3. Having a contribution consistent with the market
In 2025, most banks require:
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at a minimum, notary fees,
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ideally, 10% of the property price.
Cross-border workers with a higher contribution are better positioned, but this is not mandatory: some banks still finance more depending on the application.
4. Optimizing borrower’s insurance
The most often overlooked point… and yet a crucial one!
For cross-border workers, standard bank insurance can be very expensive.
Thanks to the Lemoine law, it is possible to:
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change insurance at any time,
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opt for an external delegation that is less costly,
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benefit from conditions better suited to cross-border situations.
Possible savings: up to several tens of thousands of euros over the life of the loan.
5. Choosing the right bank (France or Switzerland?)
In 2025:
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French banks are largely preferred to finance cross-border workers (rates, duration, flexibility).
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Swiss banks more rarely finance purchases in France, except in specific situations (LTV, very high profiles).
For a purchase in Haute-Savoie, a French bank remains the best option in 95% of cases.
6. Presenting a perfectly structured application
Cross-border workers are highly valued by banks, but the selection is strict.
Key elements include:
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professional stability,
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sound banking management,
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project consistency,
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regular savings,
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absence of incidents or consumer loans.
A specialized broker standardizes and highlights these elements to maximize approval.
Conclusion
A well-supported cross-border worker has above-average negotiating power and can obtain in 2025:
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better rates,
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cheaper insurance,
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suitable loan terms,
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optimized borrowing capacity.
The key: knowing the banks that genuinely finance cross-border workers and presenting an application tailored to them.
