Current mortgage rates in January 2026: an opportunity for first-time buyers to seize
15 Jan 2026
Dear future homeowners,
January 2026 opens with promising prospects for first-time buyers. Current mortgage rates present a golden opportunity to make your real estate project a reality. Here’s why it makes sense to act now.
Attractive rates to start the year on the right foot
The initial rate schedules received for January 2026 indicate a slight rise in rates, by about 0.10 percentage point on average. However, this increase remains moderate and does not affect market competitiveness. Indeed, some banks offer loans at enhanced rates, allowing borrowers to benefit from favorable conditions, particularly for first-time buyers. These loans, often without income requirements, demonstrate the willingness of financial institutions to support home ownership.
Government measures to facilitate home ownership
The government has implemented reforms aimed at facilitating access to property for first-time buyers. Among these measures, extending the maximum amortization period from 25 to 30 years for insured mortgage loans, applicable to all buyers of newly constructed homes, helps reduce monthly payments and increase real estate purchasing power.
Practical tips to take advantage of these favorable conditions
- Prepare a solid file: Gather all necessary documents to present your financial situation clearly and professionally.
- Compare offers: Do not hesitate to approach several lenders to obtain the best possible terms.
- Consult a mortgage broker: Their expertise and relationships with banks can save you valuable time and help you negotiate favorable rates. Moreover, their services are generally free for borrowers, as they are compensated by the banks.
By acting now, you benefit from attractive financing conditions and a dynamic real estate market. Do not miss this chance to become a homeowner under optimal conditions.
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