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Cost of moneyDenmark

Mortgage rates in Denmark

What would a home loan cost me there?

Denmark's mortgage rates is 4.09 % — #19 of 25 countries on the atlas (lower is better). Period 2026M08.

4.09%

Checked 24 Oct 2026Period 2026M08

Source: Other central banks (masterplan §4.8 table)

On a €300,000 loan over 25 years, 4.09 % works out to roughly €1,598 a month.

Mortgage rates in Denmark over time

4.09 %3.98 %3.87 %3.87 % · June 2026June 2026: 3.87 %July 2026: 3.98 %August 2026: 4.09 %June 2026July 2026August 20264.09 %
3 official observations, June 2026 → August 2026. Every point is a published value — never interpolated.
Rank
#19 of 25
lower is better
Ranked behind
24 %
6 of 25 countries
Latest move
▲ 0.11 pp
since July 2026
Full series
▲ 0.22 pp
since June 2026

In Europe: #19 of 24vs median 3.61 %: +0.48 pp (worse)

Among 25 countries

1 of 25 countries between 1.94 % and 2.09 %1 of 25 countries between 2.70 % and 2.85 %1 of 25 countries between 2.85 % and 3.01 %2 of 25 countries between 3.01 % and 3.16 %4 of 25 countries between 3.16 % and 3.31 %1 of 25 countries between 3.31 % and 3.46 %3 of 25 countries between 3.46 % and 3.62 %3 of 25 countries between 3.62 % and 3.77 %1 of 25 countries between 3.77 % and 3.92 %1 of 25 countries between 3.92 % and 4.07 %2 of 25 countries between 4.07 % and 4.23 %2 of 25 countries between 4.23 % and 4.38 %1 of 25 countries between 4.99 % and 5.14 %2 of 25 countries between 5.45 % and 5.60 %median 3.61 %Denmark: ahead of 24 % of the 25 countries with a published mortgage rateDenmark 4.09 %1.94 %5.60 %
Half of all 25 countries sit between 3.22 % and 4.09 %. Denmark is ahead of 24 % of them. Axis trimmed to the 2nd–98th percentile; 1 value beyond it sits in the end bars.

The neighbourhood

#CountryMortgage ratevs Denmark
17 Netherlands3.91 %−0.18 pp
18 Germany4.00 %−0.09 pp
19 Denmark4.09 %—
20 Lithuania4.16 %+0.07 pp
21 Estonia4.27 %+0.18 pp

Interest rate on new home loans, from each country’s official statistics.

How to read this figure

The average interest rate on NEW home loans as reported by the official statistics of each country (ECB MIR for the euro area, Freddie Mac via FRED for the US, SSB for Norway) — not teaser offers, not renegotiations. Your own offer will differ with equity, term and bank.

Next, about Denmark

House price growthInflation rateAverage monthly salary
Mortgage rates, all countries ranked →Compare Denmark with another country →Everything about Denmark →
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