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Average weighted mortgage interest rate in select countries in Europe from 1st quarter 2012 to 1st quarter 2026

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Source

Release date

July 2026

Region

Europe

Survey time period

Q1 2012 to Q1 2026

Special properties

The interest rate is a weighted average.

Supplementary notes

* For Czechia from Q1 2015 the data source is the Czech national Bank.

** This data series has been revised and it depicts the variable interest rate, which is the most common one.

*** Data from Q2 2012 has been revised for France due to a new source. Further data break in Q1 2014.

**** Recalculation of the interest rate as a weighted average of interest rates in local currency and euro (previously weighted average only of euro denominated mortgages). Data break from Q1 2014.

Citation formats

Mortgage rates by quarter in Europe 2012-2026, by country

Published by ÌÇÐÄÆƽâ°æ Research Department, Jul 29, 2026

The average mortgage interest rate decreased in nearly every country in Europe between 2012 and 2021, followed by an increase in response to inflation. In the first quarter of 2026, Hungary, Poland, and Romania topped the ranking as the countries with the highest mortgage interest rates in Europe. Conversely, Finland, Sweden, and Spain displayed the lowest interest rates. The UK, which is the country with the largest value of mortgages outstanding, had an interest rate of *** percent.

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