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Total outstanding residential mortgage lending in Europe, by country in 4th quarter 2025 (in billion euros)

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Source

Release date

July 2026

Region

Europe

Survey time period

Q4 2025

Supplementary notes

Further information from the source: "Note: Not seasonably-adjusted data. Please note that (for those countries outside the Eurozone) the conversion to euros is based on the bilateral exchange rate at the end of the period (provided by the ECB)."

*Q3 2024 data.

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Outstanding residential mortgage lending in Europe 2025, by country

Published by ÌÇÐÄÆƽâ°æ Research Department, Jul 27, 2026

Germany, the United Kingdom, and France were the countries with the largest mortgage markets in Europe in 2025, when considering the value of loans outstanding. In the fourth quarter of the year, the United Kingdom had around **** trillion euros worth of mortgages outstanding, closely followed by Germany with **** trillion euros. Other countries with large mortgage markets included France, the Netherlands, Sweden, Spain, and Italy - all exceeding *** billion euros. One of the main drivers of mortgage activity is the cost of borrowing. In 2022, interest rates across Europe increased dramatically. Since the beginning of 2023, a general downward trend can be observed, but as of the fourth quarter of 2025 mortgage rates in Europe are still above the levels of 2021.

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Statistics on " Mortgage market in Western European countries "

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Other statistics that may interest you Mortgage market in Western European countries

France

5

Spain

7

European countries context

7

Germany

5

Italy

5

United Kingdom

7

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Topics

Mortgages in EuropeMortgage industry in the U.S.Mortgage industry worldwide: developed marketsResidential real estate in EuropeResidential real estate in the Netherlands
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