The mortgage market is experiencing a notable resurgence as 2025 unfolds, with online banks stepping into the spotlight. According to a report published on April 15, 2025, institutions like BoursoBank, Fortuneo, and Hello bank! are now offering competitive mortgage rates that rival those of traditional banks. This shift is not just about rates; the entire process is becoming more transparent and fully digital, making it easier for consumers to navigate their borrowing options.
BoursoBank is leading the charge with rates reaching as low as 2.80% for borrowers with the best profiles. Meanwhile, Fortuneo is offering rates between 3.38% and 3.48% over a 20-year term. These attractive rates are part of a broader trend where online banks are increasingly recognized for their mortgage offerings, which were once overshadowed by established financial institutions.
In addition to competitive rates, these online banks are providing tools that allow potential borrowers to simulate their mortgage options online. They also offer discounts on properties that meet energy efficiency standards and financing solutions for renovations, catering to a growing consumer demand for sustainable living. This combination of simplicity, speed, and cost-effectiveness is appealing to those looking to enter the housing market.
Aside from developments in the mortgage sector, significant changes are on the horizon for the Macron bonus, a financial incentive for employees. Starting in 2025, the regime governing the Macron bonus will undergo a transformation. The amount of the bonus will now be included in the calculations for social contribution exemptions for employers. This could mean less financial relief for companies, particularly those with employees earning more than 1.6 times the minimum wage (SMIC).
This shift raises concerns about whether businesses will continue to utilize the Macron bonus as a tool to incentivize workers. While the bonus remains exempt from social contributions for employees, its tax implications will vary based on income levels. Only those earning less than three times the SMIC will benefit from tax exemptions related to this bonus.
Another potential change affecting retirees is the proposed elimination of the 10% tax allowance on pensions, a benefit that has been in place since 1978. Discussions about this change have gained traction since the beginning of 2025, and it may be included in the budget for 2026. Although this measure would not impact pension income for 2024, its potential implementation could lead to significant tax increases for retirees.
According to projections from the French Economic Observatory (OFCE), removing this allowance could result in a staggering €4.5 billion tax hike for retirees. The implications of this change are profound, as it could also lead to increased rates for the General Social Contribution (CSG) or a loss of exemption from property taxes for many. This would have a direct effect on the purchasing power of numerous retirees, particularly those with medium to high incomes.
As these financial changes unfold, it is essential for consumers, businesses, and retirees alike to stay informed. The online mortgage market's growth presents new opportunities for homebuyers, while the potential reforms to the Macron bonus and pension tax allowances could reshape the financial landscape for employers and retirees. The coming months will be crucial as stakeholders navigate these evolving economic conditions and their implications.
