Download our report to learn how to navigate the challenges and seize the opportunities of 2025.
The European mortgage market enters 2025 with cautious optimism. Housing loan demand began recovering in late 2024 as declining interest rates signaled a rebound. With the European Central Bank (ECB) easing monetary policy, lending volumes are expected to grow steadily.
However, challenges persist. Interest rates, though falling, remain higher than recent record lows, and house prices stay elevated. This creates affordability pressures for borrowers and narrows margins for lenders, further strained by rising operational costs and limited resources. Government subsidies and tailored mortgage products sustain demand but add complexity to lending processes.
Despite these challenges, 2025 offers growth opportunities. Refinancing activity, increased demand for new homes, and innovative mortgage solutions present promising paths forward. Success will depend on lenders taking three key actions: leveraging digital tools alongside human expertise to boost efficiency, automating processes to scale operations and cut costs, and fostering long-term borrower relationships.
Download our report today to explore these strategies and position your mortgage business for success in 2025.
