Fiatmap

Mortgage rate

What would a home loan cost me there?

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

Malta leads with 1.94 %; United States sits last at 7.32 %. Best-for-you first — lower is better here.

Coverage: 25 of ~25 countries this field can reach — ECB MIR (euro area) + FRED (US) + SSB/SCB/DST/BoE

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Fiatmap, “Mortgage rates by country”, fiatmap.com/rankings/mortgage-rates. Licensed CC BY 4.0. Underlying data: official statistics (BIS, ECB, FRED, Eurostat, OECD, World Bank, SSB), each value dated at source.

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Top-10 table (live)

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World map

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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 %1.94 %5.60 %
Half of all 25 countries sit between 3.22 % and 4.09 %. Axis trimmed to the 2nd–98th percentile; 1 value beyond it sits in the end bars.

On the map

Fiji — no data yetTanzania — no data yetW. Sahara — no data yetCanada — no data yetUnited States — Mortgage rate: 7.32 %Kazakhstan — no data yetUzbekistan — no data yetPapua New Guinea — no data yetIndonesia — no data yetArgentina — no data yetChile — no data yetDem. Rep. Congo — no data yetSomalia — no data yetKenya — no data yetSudan — no data yetChad — no data yetHaiti — no data yetDominican Rep. — no data yetRussia — no data yetBahamas — no data yetFalkland Is. — no data yetNorway — Mortgage rate: 5.60 %Greenland — no data yetFr. S. Antarctic Lands — no data yetTimor-Leste — no data yetSouth Africa — no data yetLesotho — no data yetMexico — no data yetUruguay — no data yetBrazil — no data yetBolivia — no data yetPeru — no data yetColombia — no data yetPanama — no data yetCosta Rica — no data yetNicaragua — no data yetHonduras — no data yetEl Salvador — no data yetGuatemala — no data yetBelize — no data yetVenezuela — no data yetGuyana — no data yetSuriname — no data yetFrance — Mortgage rate: 3.20 %Ecuador — no data yetPuerto Rico — no data yetJamaica — no data yetCuba — no data yetZimbabwe — no data yetBotswana — no data yetNamibia — no data yetSenegal — no data yetMali — no data yetMauritania — no data yetBenin — no data yetNiger — no data yetNigeria — no data yetCameroon — no data yetTogo — no data yetGhana — no data yetCôte d'Ivoire — no data yetGuinea — no data yetGuinea-Bissau — no data yetLiberia — no data yetSierra Leone — no data yetBurkina Faso — no data yetCentral African Rep. — no data yetCongo — no data yetGabon — no data yetEq. Guinea — no data yetZambia — no data yetMalawi — no data yetMozambique — no data yeteSwatini — no data yetAngola — no data yetBurundi — no data yetIsrael — no data yetLebanon — no data yetMadagascar — no data yetPalestine — no data yetGambia — no data yetTunisia — no data yetAlgeria — no data yetJordan — no data yetUnited Arab Emirates — no data yetQatar — no data yetKuwait — no data yetIraq — no data yetOman — no data yetVanuatu — no data yetCambodia — no data yetThailand — no data yetLaos — no data yetMyanmar — no data yetVietnam — no data yetNorth Korea — no data yetSouth Korea — no data yetMongolia — no data yetIndia — no data yetBangladesh — no data yetBhutan — no data yetNepal — no data yetPakistan — no data yetAfghanistan — no data yetTajikistan — no data yetKyrgyzstan — no data yetTurkmenistan — no data yetIran — no data yetSyria — no data yetArmenia — no data yetSweden — Mortgage rate: 2.82 %Belarus — no data yetUkraine — no data yetPoland — no data yetAustria — Mortgage rate: 3.61 %Hungary — no data yetMoldova — no data yetRomania — no data yetLithuania — Mortgage rate: 4.16 %Latvia — Mortgage rate: 4.35 %Estonia — Mortgage rate: 4.27 %Germany — Mortgage rate: 4.00 %Bulgaria — no data yetGreece — Mortgage rate: 3.30 %Turkey — no data yetAlbania — no data yetCroatia — Mortgage rate: 2.91 %Switzerland — no data yetLuxembourg — Mortgage rate: 3.63 %Belgium — Mortgage rate: 3.70 %Netherlands — Mortgage rate: 3.91 %Portugal — Mortgage rate: 3.03 %Spain — Mortgage rate: 3.04 %Ireland — Mortgage rate: 3.52 %New Caledonia — no data yetSolomon Is. — no data yetNew Zealand — no data yetAustralia — no data yetSri Lanka — no data yetChina — no data yetTaiwan — no data yetItaly — Mortgage rate: 3.58 %Denmark — Mortgage rate: 4.09 %United Kingdom — Mortgage rate: 5.13 %Iceland — no data yetAzerbaijan — no data yetGeorgia — no data yetPhilippines — no data yetMalaysia — no data yetBrunei — no data yetSlovenia — Mortgage rate: 3.22 %Finland — Mortgage rate: 3.24 %Slovakia — Mortgage rate: 3.73 %Czechia — no data yetEritrea — no data yetJapan — no data yetParaguay — no data yetYemen — no data yetSaudi Arabia — no data yetN. Cyprus — no data yetCyprus — Mortgage rate: 3.39 %Morocco — no data yetEgypt — no data yetLibya — no data yetEthiopia — no data yetDjibouti — no data yetSomaliland — no data yetUganda — no data yetRwanda — no data yetBosnia and Herz. — no data yetMacedonia — no data yetSerbia — no data yetMontenegro — no data yetKosovo — no data yetTrinidad and Tobago — no data yetS. Sudan — no data yetAustria — Mortgage rate: 3.61 %Lithuania — Mortgage rate: 4.16 %Latvia — Mortgage rate: 4.35 %Estonia — Mortgage rate: 4.27 %Croatia — Mortgage rate: 2.91 %Luxembourg — Mortgage rate: 3.63 %Belgium — Mortgage rate: 3.70 %Netherlands — Mortgage rate: 3.91 %Portugal — Mortgage rate: 3.03 %Ireland — Mortgage rate: 3.52 %Denmark — Mortgage rate: 4.09 %Slovenia — Mortgage rate: 3.22 %Slovakia — Mortgage rate: 3.73 %Cyprus — Mortgage rate: 3.39 %Mortgage rate1.94 %7.32 %

The full ranking

1Malta1.94 %August 2026Checked 24 Oct 2026
2Sweden2.82 %August 2026Checked 24 Oct 2026
3Croatia2.91 %August 2026Checked 24 Oct 2026
4Portugal3.03 %August 2026Checked 24 Oct 2026
5Spain3.04 %August 2026Checked 24 Oct 2026
6France3.20 %August 2026Checked 24 Oct 2026
7Slovenia3.22 %August 2026Checked 24 Oct 2026
8Finland3.24 %August 2026Checked 24 Oct 2026
9Greece3.30 %August 2026Checked 24 Oct 2026
10Cyprus3.39 %August 2026Checked 24 Oct 2026
11Ireland3.52 %August 2026Checked 24 Oct 2026
12Italy3.58 %August 2026Checked 24 Oct 2026
13Austria3.61 %August 2026Checked 24 Oct 2026
14Luxembourg3.63 %August 2026Checked 24 Oct 2026
15Belgium3.70 %August 2026Checked 24 Oct 2026
16Slovakia3.73 %August 2026Checked 24 Oct 2026
17Netherlands3.91 %August 2026Checked 24 Oct 2026
18Germany4.00 %August 2026Checked 24 Oct 2026
19Denmark4.09 %August 2026Checked 24 Oct 2026
20Lithuania4.16 %August 2026Checked 24 Oct 2026
21Estonia4.27 %August 2026Checked 24 Oct 2026
22Latvia4.35 %August 2026Checked 24 Oct 2026
23United Kingdom5.13 %September 2026Checked 24 Oct 2026
24Norway5.60 %Q2 2026Checked 24 Oct 2026
25United States7.32 %October 2026Checked 24 Oct 2026
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.

Countries with the lowest mortgage rates · Countries with the highest mortgage rates

How to read this list

Interest rate on new home loans, from each country’s official statistics. 25 countries publish it; the rest are absent from the list rather than shown as zero. The figures were observed between Q2 2026 and October 2026 — a spread of 6 months — so this compares each country’s latest published number, not one moment in time. Every row carries its own date in the CSV and JSON; use it. Nothing here is estimated or carried forward to fill a gap. This metric is one column of the full dataset.

Official sources onlySurveyed October 2026Revised daily 05:20 UTCLicence CC BY 4.0