Mortgage rates: the end of 2025 marked by stability
After two years of strong volatility, mortgage rates are finally stabilizing at the end of 2025. This easing is clearly benefiting buyers, particularly in Haute-Savoie, where demand remains very strong.
Based on banking practices observed in the region, current rates are generally :
- between 3.00% and 3.20% over 20 years
- between 3.10% and 3.35% over 25 years
The best profiles (stable income, solid down payment, sound financial management) regularly obtain rates at the lower end of the range.
Why does Haute-Savoie remain a market apart?
Haute-Savoie continues to attract cross-border workers, professionals from the Annecy area, and mountain investors. Banks consider these areas relatively secure, which allows them to remain more competitive.
The most dynamic areas remain:
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Annemasse, Saint-Julien, Archamps (cross-border area)
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Annecy and its metropolitan area
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Chamonix, Les Gets, Morzine, La Clusaz (tourist areas and resorts)
In these locations, a well-prepared application can truly make a difference.
Why are rates stabilizing at the end of 2025?
Several factors explain this easing:
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Financial markets are calmer than in 2023–2024
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Banks have regained more comfortable room for maneuver
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Real estate demand remains strong but more rational
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Regional competition between institutions encourages the maintenance of attractive rates
As a result, rate schedules are changing little, and banks are more open to financing solid projects.
What this means for your project
For a purchase in Haute-Savoie, this period is favorable:
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Rates are clear and predictable, making projections easier
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Banks are reviewing applications with greater flexibility
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Swiss cross-border workers retain an advantage
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First-time buyers may benefit from assistance depending on their situation
This is therefore a good time to run a simulation or revisit a project that was put on hold.
Advice from your broker
- Prepare a clear and well-structured application
- Compare several banks, both local and national
- Do not overlook borrower’s insurance (it can significantly impact the total cost)
- Adjust the loan term to your long-term strategy
- Get support early on (time savings and often better conditions)
To go further: selected press articles
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Here are two non-commercial articles from economic media outlets to better understand national trends:
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Mortgage credit: here is the average rate expected at the end of 2025 – Yahoo Finance
https://fr.finance.yahoo.com/actualites/cr%C3%A9dit-immobilier-taux-moyen-attendu-111504301.html -
Mortgage credit: what rates are expected for the end of 2025? – MeilleursAgents (press editorial)
https://edito.meilleursagents.com/financement/credits-immobiliers/credit-immobilier-taux-attendus-cette-fin-d-annee-2025-article
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