Risk of losing support in 2026
Support for the young housing loan scheme may end in 2026, including IMT exemption, the public guarantee and special financing conditions. These mechanisms have made it easier for young people up to 35 years old to access their first home, allowing more than 77,000 to have purchased a property since 2024.
The public guarantee, which allows financing of up to 100% of the property value, is currently only planned for contracts signed until 31 December 2026. Without an extension, 2027 could bring stricter conditions for accessing the young mortgage scheme.
In a context of rising Euribor rates and high property prices, delaying the decision may result in higher financial effort and higher monthly repayments.
What may change in the young mortgage scheme
If support for the young housing loan scheme ends, several benefits will no longer be available. Main impacts include:
- IMT and Stamp Duty exemption: savings that may exceed €15,000 on the purchase of a home within current limits
- Public guarantee: financing of up to 100% of the property value, without the need for a 10% down payment
- Registration fee exemption: reduction in administrative costs related to the purchase
- More competitive loan conditions: lower spreads under young mortgage schemes
In practice, the difference between buying a home in 2026 or 2027 under the young mortgage scheme may represent tens of thousands of euros over the life of the loan.
Even if some measures are extended, there is no guarantee that current conditions will be maintained. High demand for the public guarantee may also affect its future availability.
Young mortgage scheme and market context
The young mortgage scheme remains one of the main routes to first-time homeownership, especially in a rising interest rate environment. Euribor increased again in 2026, putting pressure on repayments and raising the total financing cost.
Delaying the decision may mean losing tax benefits and accessing less favourable credit conditions. Although the young mortgage scheme still combines state support and competitive bank offers, this framework may change quickly.
At the same time, property values continue to rise, increasing entry costs and reinforcing the importance of timing.
Assessing the timing of purchase
In the young mortgage scheme, timing plays a decisive role. Buying in 2026 still allows access to tax exemptions, the public guarantee and more favourable financing conditions. Uncertainty about the continuation of support makes the decision more sensitive, especially for those relying on these measures to purchase their first home.
Analysing financial circumstances, simulating scenarios and comparing young mortgage offers are essential steps to assess whether it is better to move ahead now or wait.
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