Wednesday, 11 February 2026
SVN Credit Romania brokered loans totalling EUR 326.5 million in 2025, an increase of 40.7 percent compared with the previous year. More than two-thirds of this amount consisted of mortgage loans. The company reported approximately EUR 250 million in mortgage financing, corresponding to nearly 3,100 loans, while consumer loans accounted for around EUR 60 million. Corporate financing and leasing advisory services covered 110 transactions with a combined value of EUR 16.5 million.
The growth in activity was also linked to the company’s territorial expansion, with 12 new regional offices opened during 2025, bringing its national network to 32 offices. SVN Credit stated that its 2026 plans include further expansion into smaller cities, with new offices already opened this year in Târgu Mureș and Focșani.
Romania’s mortgage market reached a new high in 2025, with total loans granted at national level amounting to EUR 10.9 billion, according to National Bank of Romania statistics compiled by SVN Credit. This represented an 18.4 percent increase compared with 2024. Loans issued specifically for home purchases totalled EUR 5.1 billion, or 46.7 percent of the overall mortgage volume, while the remainder consisted of refinancing, restructuring, reconversion and transfer loans. The value of new home-purchase mortgages was also a record, rising 13 percent from EUR 4.5 billion recorded in 2024.
“The mortgage market is increasingly accessible for those who want to buy a home through a mortgage loan: 2026 started with decreasing interest rates and on the fixed segment we already have an average fixed interest rate that dropped below 5%. Consumers should be attentive not only to potential decreases in the key interest rate but also to the existing offers – or to use the services of a credit broker, which are free in Romania – offers that are increasingly advantageous in a context of competition between financial institutions. In addition, IRCC will record another slight decrease in the second quarter, to about 5.57%. In this context, 2026 has all the premises to bring results at least as good the previous year,” said Cătălin Marin, Managing Partner of SVN Romania | Credit & Financial Solutions.
The increase in mortgage lending occurred alongside a decline in residential transactions. According to data from the National Agency for Cadastre and Land Registration, the number of homes sold in Romania decreased by 5.3 percent in 2025 compared with the previous year. Based on SVN calculations, mortgages registered in 2025 represented approximately 57 percent of all residential units sold, up from 51 percent in 2024. These figures include refinancing and restructuring loans as well as personal loans secured by property.
SVN Credit Romania operates as a broker for mortgage and consumer loans on the local market. Its affiliated real estate consultancy, SVN Romania, reported residential sales of more than 1,700 homes in 2025 with a combined value exceeding EUR 280 million, alongside land, commercial and office transactions. SVN International Corp. operates over 200 offices worldwide with more than 2,200 consultants and administrative staff.
