A survey by Brain, commissioned by the Estadão newspaper, shows that Jardim Paulista, Vila Nova Conceição and Itaim Bibi They lead the ranking of neighborhoods with the highest sales volume in 2025, generating hundreds of millions of reais in real estate above R$$2 million. With an average ticket price between R$5 and 6 millionThese addresses continue to attract the highest demand for luxury properties, driven by land scarcity, security, and strategic location.

The CEO of All Brokers, Luanderson NovaesThe analysis shows that buyer behavior has changed, and decision-making has become much more rational.

"Today, buyers know exactly what they are looking for and only move forward when there is a real opportunity, whether in price, conditions, or product differentiation. At the same time, developers are more flexible, and property owners understand that good negotiation is the key to success in this time of instability."

The research also points to the strengthening of new centers of appreciation, such as Pinheiros and Vila Olímpia, which attract a younger and more cosmopolitan audience. This movement indicates that the refinements The inhabitants of São Paulo expanded beyond the Jardins neighborhood., keeping pace with urban transformations and lifestyle changes.

With the limited offer in the most prestigious areas and continuous appreciation Among the best addresses, the current moment favors those who see time as a strategic asset. The equation between product, location, and opportunity continues to be the decisive factor in major high-end real estate deals.

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Starting in January 2027, the maximum value of properties financed by the Housing Finance System (SFH, the system uses resources from the FGTS and savings accounts) will increase from... R$ 1.5 million to R$ 2.25 millionand it will be possible to finance up to 80% of the total value property with funds from Caixa Econômica Federal

The measure, which expands the use of FGTS (Brazilian employee severance fund) resources and makes it easier to allocate savings for mortgage loans, should directly boost the construction industry, employment, and economic activity in large cities.

With more resources available and a higher spending limit, middle-income families gain access to higher-standard properties and more privileged locations, also expanding the range of opportunities for developers, construction companies, and investors in the sector.

In addition to benefiting buyers, the new ceiling stimulates a new cycle of sustainable growthThis will favor the financing of projects that were previously outside the eligibility ranges of the SFH (Brazilian Housing Finance System). The expected result is a more dynamic, competitive, and accessible market.

“This update represents a boost of confidence in the sector. The increase in the ceiling and the expansion of credit with FGTS strengthen the entire production chain, from construction to intermediation. It is a move that should generate liquidity, accelerate launches and open new opportunities for investors and buyers.”he says Luanderson Novaes, CEO of All Brokers Imob.

With interest rates still high and a search for safe investment alternatives, the strengthening of housing credit lines emerges as good news, not only for those who dream of owning their own home, but for the entire market that revolves around it.

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For a long time, the debate about technology in the sector was limited to basic tools, such as digital contracts, virtual visits, and customer service via WhatsApp. These resources, which seemed revolutionary just a few years ago, now represent only the minimum operational level. The real technological leap lies elsewhere: Data intelligence applied to opportunity generation..

According to an analysis published in InfoMoney According to Marcelo Hannud, the new stage of digital transformation focuses on the ability to... Using data to anticipate market movements. Identifying potential for appreciation, new development zones, and assets even before they come to the public's attention.

This trend is already beginning to reshape how developers, funds, and specialized consultancies operate. Tools that combine intelligent mapping of changing zones, predictive analysis of return on land use and Behavioral reading of urban clusters They are making something unprecedented possible: understanding the value of an asset before it physically exists.

The impact of this change is profound. On the one hand, it expands access to information and improves the accuracy of investment decisions; on the other hand, it creates a need for professionals with a strategic vision to interpret the data and translate it into concrete business opportunities.

“No technology can replace the human eye. The role of intelligence is to expand our analytical capacity and transform data into a vision for the future,” explains Luanderson Novaes, CEO of All Brokers.

In the coming years, the competitiveness of real estate companies will depend less on digital presence and more on... ability to connect technology and market sensitivityThose that remain restricted to advertising portals and reactive communication will be out of the game in less than five years.

The future of the real estate market will be determined by those who know how. Anticipate opportunities, not just react to them..

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The real estate market in São Paulo is going through one of the most critical moments in its recent history: a shortage of land in established neighborhoods such as Itaim Bibi, Jardins and Vila Nova Conceição This has made luxury an even rarer commodity. According to industry data, in the second quarter of 2025 alone, 1,146 high-end units were launched in the city, more than double the number for the same period in 2024. Even so, pent-up demand far exceeds supply, generating increasing price pressure and a gradual migration to areas such as Pinheiros and Vila Mariana.

THE Luanderson Novaes, CEO of All BrokersAnalyze the situation clearly:
“The scarcity of land in neighborhoods like Itaim, Jardins, and Vila Nova Conceição significantly limits the supply of ultra-high-end, luxury, and super-luxury properties. Today, there is pent-up demand for this type of development, and in the near future, many buyers will have to migrate to other neighborhoods or pay much more to remain in these areas. The time to buy is now. We are still in a scenario where the law of supply and demand is working in our favor.”

The trend is clear: while the most coveted addresses become inaccessible in volume, projects in alternative neighborhoods are gaining prominence. Pinheiros already concentrates more than 26% of high-end launches, followed by Vila Mariana with 17%. For investors and buyers, this transition represents both a challenge and an opportunity: to anticipate the appreciation that will inevitably accompany the migration of São Paulo's elite.

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The recent auction of CEPACs (Certificates of Additional Construction Potential), held in August 2025, moved R$1.668 billion on the B3 stock exchange and drew the attention of developers and investors to the direct impact on the São Paulo real estate market. Major players such as JHSF, Even, HBR Realty, and São José Incorporadora participated, reinforcing the relevance of the auction.

In total, 164,500 CEPAC units were offered, but only 94,800 were acquired, representing 57.6% of the total. The minimum value of R$17.6 thousand per security was maintained without premium, signaling investor caution in the face of the current macroeconomic scenario.

The CEO of All Brokers, Luanderson Novaes, commented on the operation:
“The CEPAC auction is not just a financial transaction, but a milestone in the urban transformation of São Paulo. It paves the way for a new cycle of appreciation and repositioning of the city's most strategic neighborhoods. For investors and high-end buyers, understanding this scenario is essential: we are talking about opportunities that will shape the next decade of the São Paulo real estate market.”

The funds raised will be allocated to strategic structural works: the extension of Avenida Faria Lima to Avenida Bandeirantes, improvements in urban mobility, tunnels, public transport, and even the implementation of a waterway on the Pinheiros River. The result highlights how much CEPACs (Certificates of Additional Construction Potential) shape the city's development, while simultaneously redirecting real estate investments in prime areas such as Vila Olímpia, Pinheiros, and the Faria Lima region.

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Illustrative image Freepik

Even with the Selic rate still at a high level, mortgage financing can once again become a strategic ally for those wishing to invest in real estate — especially in the high-end market. Instead of representing a barrier, credit can act as a bridge to opportunities for asset appreciation in the coming years.

According to Katya Treiger, a partner at Ville Capital, the key is understanding that financing doesn't have to be fixed or permanent. "What's valid today may not be valid tomorrow. The downward trend in interest rates creates room for amortizations, credit portability with better rates, or even a reduction in the value of monthly installments in the future. Those who enter now, intelligently, will be able to adjust the contract later and keep their assets growing.", he explains.

The logic is clear: those who wait for the 'perfect moment' may miss the best market opportunities. In economic cycles, real estate continues to be a safe-haven asset, often trading at better prices during periods of uncertainty.

Luanderson Novaes, CEO of All Brokers, a boutique real estate firm specializing in high-end and ultra-high-end properties, points out that the trend among large investors has been to anticipate purchases, even in a scenario of high interest rates.

“Many are taking advantage of this moment to structure their portfolios with good acquisitions. Some of these buyers have a long-term vision and seek to use the high returns from fixed income to acquire properties under construction, using financing as a strategic tool for future viability, taking advantage of the facilitated payment flow.

"Another segment of buyers are the auctioneers: investors who have large sums invested and, faced with a moment of uncertainty and greater liquidity in the market, are acquiring opportunities with discounts ranging from 20% to 35% on the market prices," says Novaes.

Experts also point out that, with the Central Bank's recent signal to end the Selic rate hike cycle, the window for more advantageous financing should gradually open in the coming quarters. For those who already own property, the advantage will be renegotiating with the asset already appreciating in value — a double capital gain.

In this scenario, bank credit becomes more than a necessity: it becomes a smart entry strategy, especially for those who understand time as an asset as valuable as capital.

Contact

Renan Mello – Communications Consultant
Whatsapp – (11) 95723‑2170

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Market and government agents are joining forces to boost mortgage lending in the coming years, seeking new sources of funding. This movement occurs amidst the realization that savings, the main source of mortgage financing, are not expected to recover after withdrawals of more than R$200 billion in the last three years.

Market and government agents are joining forces to boost mortgage lending in the coming years, seeking new sources of funding. This movement occurs amidst the realization that... savingsThe main source of real estate financing is not expected to recover after withdrawals of more than R$ 200 billion in the last three years. Without alternatives, there is a risk that credit will become scarcer and more expensive.

Mortgage lending, which represented 21% of Gross Domestic Product (GDP) in the early 2000s, grew to 101% in 2015, but has not increased further since. Part of this earlier growth was driven by legal tools, such as fiduciary alienation and segregated assets, which increased the security of banks when lending money, allowing them to take collateral in case of default.

The current focus is on finding mechanisms that can keep this credit accessible and stimulate the market.

The growth of mortgage lending in Brazil was also driven by the Minha Casa, Minha Vida (MCMV) program, which uses subsidized resources from the Guarantee Fund for Length of Service (FGTS) to facilitate homeownership financing for low-income families. However, after this period of growth, the share of mortgage lending in GDP stagnated, impacted by factors such as the high interest rate environment and the depletion of savings resources.

Marina Gontijo, a partner at the consulting firm Oliver Wyman, commented that although credit has grown significantly over the past decade, it has remained stable, fluctuating between 91% and 101% of GDP. 

It is worth highlighting that Oliver Wyman conducted a study of the sector at the request of the Brazilian Association of Real Estate Credit and Savings Entities (Abecip), which revealed that Brazil lags behind other similar economies in terms of the share of real estate credit in GDP.

In this scenario, Brazil, with a 10% share, lags behind countries such as Mexico (11%), India (12%), South Africa (18%), China (18%), Italy (23%), Chile (30%), and Singapore (32%). 

"It's important to observe these countries, whose economies are similar to Brazil's, but with much more developed mortgage markets," Gontijo pointed out.

The main reason for this divergence is clear: high interest rates in Brazil make mortgage financing more expensive for buyers compared to other countries. The reason banks apply these high rates is due to the high cost of raising the funds that support these loans. "With a lower funding cost, banks could offer more competitive rates," said the consulting firm's partner.

Average mortgage financing rate

It is important to emphasize that the average mortgage financing rate in Brazil is currently at 11.7%, with the following composition: 8% referring to the cost of money raised (savings and market instruments), 1.2% due to the risk of default, 0.9% corresponding to taxes and charges, 0.6% for administrative expenses and 1% of the banks' operating profit margin.

This cost could be even higher if savings accounts, which have returns controlled by regulation, did not contribute to fundraising. However, savings accounts have been losing ground as a source of funding, and there is no prospect of recovery.

The Oliver Wyman study pointed to alternatives for revitalizing mortgage lending, such as improving instruments like Real Estate Credit Notes (LCI), Real Estate Receivables Certificates (CRIs), and Guaranteed Real Estate Notes (LIGs). 

"We need to ensure that these instruments are attractive to both investors and issuers," said Gontijo.

Another suggestion would be to introduce a fee for borrowers who make early repayments on their loans, a common practice in several countries such as Chile, South Africa, Turkey, the United States, and Canada. This would help offset the revenue loss that banks face when loan agreements are terminated early.

Sandro Gamba, president of Abecip, emphasized that the association's focus will be on facilitating the transition from traditional funding sources, such as savings accounts and the FGTS (Brazilian employee severance fund), to alternative instruments like LCIs (Real Estate Credit Bills), LIGs (Real Estate Credit Bills), and CRIs (Real Estate Receivables Certificates). "We are in a transition phase, and it has become clear that we will not have a single solution. The agenda will involve several improvement measures," he concluded.

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With increasing economic uncertainty and volatility in global markets, investors are increasingly attentive to opportunities to diversify their portfolios. In Brazil, the real estate sector continues to stand out as one of the safest and most profitable options, especially when well diversified. 

According to data released by the Brazilian Association of Real Estate Developers (Abrainc), there was a growth of 43.71% in the 12 months ending in April of this year, reinforcing the attractiveness of this sector as a safe haven for investors of all profiles.

Experts point out that, to maximize return on investment and mitigate risks, diversification in the real estate market is fundamental. The strategic allocation of resources among various profiles of residential properties, whether aimed at families, young couples, or single people, has proven effective in protecting investors against specific fluctuations in each niche, as well as offering multiple sources of income.

Data from May from the QuintoAndar Rental Index and Imovelweb indicate that adjustments to rental contracts have increased by 9.51% in the last 12 months. This increase in values suggests a strong possibility of appreciation and higher returns for investors. 

According to Luanderson Novaes, CEO of All Brokers Imob, a brokerage specializing in high-end real estate, the balance between different types of real estate assets is key to a successful portfolio. "Investors who distribute their capital across different profiles of residential properties have faster transaction speeds, mitigate risks, and benefit from the diverse dynamics of the market," says Novaes.

Diversification, therefore, not only optimizes returns but also protects assets from sectoral crises and seasonality. For investors seeking resilience and solidity in their portfolio, the real estate market offers a range of opportunities, and now is the time to take advantage of the dynamism and changes that are shaping the sector's future.

About All Brokers
Founded in 2022, All Brokers has a genuine interest in the customer experience. Positioned as a real estate consultancy, the company offers integrated service for those seeking a property, assisting them in buying, selling, obtaining mortgage loans, and renovating their property.
Always striving to understand the needs and realize excellent deals for its clients and partners who are seeking a return in some way, whether for profitable investment through rental/resale or for those seeking a return in the form of comfort, security, and quality of life.

Press Contact:

Renan Mello
WhatsApp: 1195723-2170
contact@allbrokersimob.com

O post Diminua os riscos e maximize os ganhos diversificando sua carteira de investimento imobiliário apareceu primeiro em AllBrokers Imob.

The high-end and ultra-high-end real estate market has undergone a significant transformation, driven by strategic collaborations between developers and large companies from various sectors. These partnerships not only increase the value of developments but also introduce a new lifestyle experience for clients seeking more exclusive properties. Whether with fashion brands, iconic personalities, or other prestigious industries, this union is shaping a new era of real estate projects that offer much more than just residences; they deliver a concept of exclusivity, design, and identity.

Examples of Collaborations

• Senna Tower:
  This project, a tribute to Ayrton Senna, was developed in partnership with the Senna family. The initiative reflects luxury and sophistication, embodying the driver's spirit of excellence and attracting an audience seeking a deeper connection with the history behind the venture.
  
• Villa Versace:
  Located in São Paulo, Villa Versace combines the sophistication of the renowned Italian fashion brand with luxury architecture. The project creates sophisticated environments, elevating the status of the development and offering an exclusive lifestyle aligned with the brand's characteristic glamour.
  
• Saffire by Elie Saab:
  In partnership with Lebanese designer Elie Saab, the Lavvi development translates the glamour of haute couture into high-end architecture, combining sophisticated design with a unique sensory experience.

How do major brands benefit from these partnerships?

• Extending brand identity:
  Collaboration with the real estate sector allows major brands to integrate their DNA into new environments, reinforcing their narrative and connecting their values to their customers' lifestyles.
  
• Increased exposure and reach:
  Real estate projects offer a platform for brands to expand their recognition in new markets and audiences, especially in the high-end sector, adding emotional value for consumers.
  
• Association with luxury and prestige.:
  Partnerships with high-end ventures help fashion brands, design firms, or iconic personalities reinforce their image of exclusivity and sophistication, expanding their relevance beyond traditional sectors.

What are the benefits for real estate developers?

• Market differentiation:
  Real estate developers are able to create a competitive advantage by associating their projects with prestigious brands, which increases attractiveness and perceived value for consumers.
  
• Attracting a more exclusive target audience:
  Projects partnered with major brands or iconic personalities attract a high-end audience that values the identity and history behind the venture, increasing demand.
  
• Property appreciation:
  The involvement of a renowned brand or public figure adds intangible value to the project, transforming the property into a symbol of status and exclusivity, with great potential for appreciation in the market.

“Collaborations between different sectors and the real estate market have been an effective strategy for adding value and differentiation to developments. When renowned brands, whether from fashion, sports, or other sectors, are involved, they bring a narrative and symbolic value that speaks directly to the high and ultra-high-end audience,” analyzes Luanderson Novaes, CEO of All Brokers Imob. According to Novaes, these partnerships offer a unique experience for residents, transforming the concept of housing into something much bigger, a symbol of status and personal fulfillment. “This trend should intensify in Brazil, as the high-end consumer increasingly seeks an experience that goes beyond the property itself.”

These innovative collaborations have conquered the real estate market around the world, bringing new perspectives on what it means to live in a luxury space. Beyond creating differentiation, they add intangible value to properties, as clients begin to identify with the lifestyles proposed by these brands and personalities. Whether through the cultural heritage of a sports legend, the glamour of a fashion label, or the exclusivity of a renowned designer, these partnerships have the power to transform the property into a sensory and emotional experience that reflects each client's lifestyle.

About All Brokers
Founded in 2022, All Brokers has a genuine interest in the customer experience. Positioned as a real estate consultancy, the company offers integrated service for those seeking a property, assisting them in buying, selling, obtaining mortgage loans, and renovating their property.
All Brokers always seeks to understand the needs and realize excellent deals for clients who are looking for a return in some way, whether it's for profitable investment through rental/resale or for those seeking a return in the form of comfort, security, and quality of life.

Press Contact:

Renan Mello
WhatsApp: 1195723-2170
contact@allbrokersimob.com

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Luanderson Novaes, CEO of All Brokers Imob, a real estate company that operates in the market as a real estate business consultant, stated that the high-end real estate market is undergoing a transformation due to the growing demand for sustainable properties. According to him, sustainability has become central to purchasing and investment decisions, and is redefining luxury standards.

The growing demand for sustainable real estate.

According to research conducted by ABRAINC (Brazilian Association of Real Estate Developers), more than 501,300 of those interviewed indicated that they would pay more for properties that feature sustainable technology, such as energy efficiency, the use of recycled materials, and sustainable construction.

The demand for properties that minimize environmental impact is reflected in the practices of major luxury markets. In cities like New York, London, and São Paulo, developments that adopt certifications such as LEED (Leadership in Energy and Environmental Design) or WELL (focused on occupant well-being) are appreciating significantly, with resale prices increasing by up to 25% compared to conventional properties, according to Knight Frank.

Technological innovations and sustainability

The integration of green technologies has also played a crucial role in increasing the value of luxury properties. Features such as solar panels, rainwater harvesting systems, and home automation focused on energy savings are becoming standard in new developments. The use of these technologies not only reduces the carbon footprint of properties but also offers a superior living experience, aligning comfort and environmental awareness.

According to IFC (International Finance Corporation) consultant Liliani Souza, sustainable buildings can reduce operating costs, savings that translate into higher profit margins and attract a public willing to invest more in properties that reflect their values. Water consumption decreased by 25% while energy consumption decreased by 15%.

The Brazilian market: A promising scenario.

In Brazil, the movement for sustainability in the luxury real estate market is also gaining momentum. According to Abrainc, approximately 401% of new high-end projects in the country already incorporate sustainable practices in their construction and operation. The Brazilian market, which generated around R$13 billion in 2023, sees sustainability as an opportunity to stand out internationally and attract foreign investors.

Developments like the Fasano Itaim in São Paulo are examples of how sustainability can be a competitive advantage. The building, which adopts a series of ecological practices, has seen an appreciation of 30% since its launch, and its units are sought after by a highly demanding public that values both sophistication and environmental responsibility.

Sustainability: The future of luxury

The trend is clear: sustainability and luxury are becoming synonymous in the real estate market. Consumers are increasingly aware of their environmental impact and willing to pay more for properties that reflect this awareness. For developers and investors, embracing sustainability is not just a matter of social responsibility, but also a smart strategy to ensure appreciation and competitiveness in the high-end market.

About All Brokers
Founded in 2022, All Brokers has a genuine interest in the customer experience. Positioned as a real estate consultancy, the company offers integrated service for those seeking a property, assisting clients in buying or selling with a team of consultants. We also work on finding the best mortgage loans with a team of banking correspondents and on renovation and decoration projects. We always strive to understand the needs and achieve excellent deals for our clients who are seeking a return on investment, whether for rental/resale income or for those seeking comfort, security, and quality of life.

Press Contact:
Renan Mello
1195723-2170
contact@allbrokersimob.com

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