Mortgage rates stable in June, the best profiles benefit

According to Pretto data, the average rates observed in April are as follows:

• 2,87% over 15 years
• 3,00% over 20 years
• 3,09% over 25 years

After an April marked by twists and turns related to Donald Trump's trade policy, May gave way to a lull, which continued into June. Rate schedules remain stable in most institutions, although there has been a slight increase in the longest loan terms (+0,01 points on average for 20-year loans, +0,04 on average for 25-year loans).

Outside of the general rate scales, certain profiles can take full advantage of the competition between banks to attract new customers, by benefiting from discounts.

The profiles we're particularly looking for? Young people under 35, first-time buyers, high-income groups with high incomes (>80k) and a strong ability to save.

For Pierre Chapon, co-founder and CEO of Pretto: "We are seeing a strong interest from banks in good profiles: young, stable, and wealthy borrowers are clearly the priority targets of the institutions, which do not hesitate to grant them rates well below the average."

Please note: First-time buyers account for 50% of new home loan originations. Some of them are benefiting from the expansion of the zero-interest loan (PTZ) since April 2025, which allows them to make substantial savings on the overall cost of the loan.

A new cut in ECB key rates in June?

On April 17, the European Central Bank confirmed its policy of supporting the European economy by lowering its key interest rates from 2,5% to 2,25%. This measure allows banks to benefit from a more favorable cost of money, with the aim of stimulating investment.

With a new meeting scheduled for June 4 in Frankfurt, experts are wondering: will the ECB continue this momentum? If so, it would be a positive signal for borrowers. Indeed, banks—especially domestic banks that refinance on the financial markets—could revise their interest rate schedules downward.

The decision, if adopted, should further support the recovery of the credit market, which has been picking up in recent months. In March 2025, mortgage loan production (excluding renegotiations) reached €12 billion, a 71% increase compared to March 2024 (source: Banque de France).

The gradual decline in interest rates, which began in early 2024, is playing a key role in this recovery. In March 2025, the average rate for new loans stood at 3,20%, compared to 3,27% in February, making borrowing more affordable for households.

A confirmed trend in Pretto's production: between Q1 2024 and Q1 2025, the number of Pretto customers who became homeowners jumped by 50%*. This renewed activity is driven by the current stabilization of rates, as well as the entry into force of measures encouraging homeownership - such as the expanded PTZ.

*Customers whose funds were released between January 1st and March 31st.

Profile of the new owners (Q1 2025):

• 34 years old on average
• 84.400 euros annual income (alone or as a couple)
• loan over 275 months (approximately 23 years)
• average loan of €293.000 for a property worth €353.000
• an average rate of 3,3%
• area of ​​95,5 m²

For Pierre Chapon, co-founder and CEO of Pretto: "We are witnessing a reconfiguration of the typical profile of buyers: younger, better informed and strategic in their choices, they are taking advantage of the stable interest rate environment to embark on their first purchase."

What's changing in June: Stable rates could lead to higher prices

The stabilization of interest rates has a secondary effect: it encourages the return of solvent buyers to the market, which supports demand and pushes prices upward. Real estate prices recorded a slight increase of +0,5% in the first quarter of 1 (source: notary and INSEE indices), although disparities remain, with an increase of +2025% in the provinces compared to a decrease of -0,7% in Paris.

Illustrative image of the article via Depositphotos.com.