Mortgages and transactions: a growing market

Ilario Antonio Toscano

3 minutes

Our analysis of the 2025 real estate market highlights solid growth. Our transactions increased by 7.5% compared to the previous year, confirming a strong and dynamic market, capable of generating demand and converting it into real value.

A significant contribution to this trend came from developments in credit. Over the course of the year, the gradual stabilization of both fixed and variable rates made market entry more accessible, broadening the pool of buyers and facilitating the completion of transactions.

Data from Toscano Mutui confirms this trend. In 2025, we recorded a 10% increase in total loan disbursements compared to the previous year. This volume reflects real demand, supported by more balanced financial conditions. In this context, credit has been a key factor in enabling a higher number of transactions.

At the same time, we observe greater awareness in clients’ decision-making. Throughout 2025, the gradual convergence of fixed and variable rates led 96% of our clients to complete their transactions by choosing a fixed-rate mortgage.

This is a clear indication that when the difference between the two rates is minimal, people tend to favor the security of a fixed rate. It also highlights how purchasing a home is becoming an increasingly planned decision, based on long-term sustainability criteria, where the mortgage often represents an integral part of the decision-making process.

It is increasingly evident that the real estate journey does not end with the transaction itself. Buying or selling a home requires complementary solutions and a comprehensive perspective. For this reason, over time we have developed an integrated system of services to support our clients at every stage of the transaction and beyond, from financing to renovation and property protection, ensuring continuity and peace of mind over time.

Autore

Ilario Antonio Toscano

At just the age of 25 years, in 1982, he founded the company Toscano Immobiliare. At the end of the 1980s, the company began to expand in the city of Rome. It was during these years that the brand's distinctive style was born. By the end of 1991, an economic crisis began that would last until 1997, particularly affecting the real estate world. Despite the crisis, Toscano showed resilience and countered the trend compared to its competitors, undergoing its first major national expansion during those years, opening new agencies in major Italian cities while strengthening structurally and organizationally. In 1997, the Toscano Franchise was launched, which led to exponential growth for the Group. He is the Founder and honorary President of A.N.A.M.A., the national association representing business brokers, part of Confesercenti. In 2013, he published his first book, edited by Franco Angeli: "Per fare impresa, Il Caso Toscano: una storia italiana" (Doing Business, The Toscano Case: An Italian Story). The book covers the fundamentals of management for a service company. Today, he is the President and Founder of the companies Gruppo Toscano SpA and Toscano SpA.

Blog