Mortgage interest rates in the UK were on a downward trend for more than a decade before soaring in 2022. In the fourth quarter of 2024, the average weighted interest rate stood at **** percent — nearly ***** times the interest rate in the fourth quarter of 2021. Mortgage rates also vary depending on the type of mortgage: Historically, fixed rate mortgages with a shorter term had on average lower interest rates. What types of mortgages are there? In terms of the type of interest rate, mortgages can be fixed and variable. A fixed interest rate is simply a mortgage where the rate of repayment is fixed, while a variable rate depends on the lender’s underlying variable interest rate. Furthermore, mortgages could be for a house purchase or for refinancing. The vast majority of mortgages in the UK are fixed rate mortgages for house purchase, and only a small share is for remortgaging. How big is the UK mortgage market? The UK has the largest mortgage market in Europe, amounting to nearly ***billion euros in gross residential mortgage lending as of the second quarter of 2023. When comparing the total outstanding residential mortgage lending, the UK also ranks first with about *** trillion euros.

Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-10-16 about 15-year, mortgage, fixed, interest rate, interest, rate, and USA.

The interest rate of mortgage loans in Chile reached a record low in 2019 at less than *** percent but increased in the following years. Between ************ and ************, the average mortgage interest rate rose from *** percent to *** percent - the highest rate observed since 2010.

The mortgage interest rate in Germany decreased notably between 2013 and 2022, falling below *** percent. This was part of an overall trend of falling mortgage interest rates in Europe. The mortgage interest rate in Germany has since increased to *** percent in the fourth quarter of 2024. The German mortgage market In Europe, Germany is the second-largest mortgage market, with a total value of mortgages outstanding amounting to nearly *** trillion euros. Mortgage loans are one of the oldest bank products. Among the factors that influence mortgage interest rates are inflation, economic growth, monetary policies, the bond market, the stability of lenders, and the overall conditions of the housing market. Mortgage loans The higher cost of borrowing has a significant effect on the market: While the interest rates were at their lowest, mortgage lending was on the rise. In 2023, when the rates reached a 10-year-high, the quarterly gross mortgage lending fell to the lowest value since 2014. Meanwhile, house prices have also increased substantially in recent years. According to the House Price Index in Germany, between 2015 and 2024, house prices increased by nearly ** percent.

The mortgage interest rate in Sweden rose dramatically in 2022, following a long period of mortgages maintaining rates below two percent. In the fourth quarter of 2024, the average weighted interest rate stood at **** percent, more than two percentage points above the rate in the fourth quarter of 2021. In Europe, Sweden's mortgage interest rate ranked alongside Germany and Portugal.  Homeownership in Sweden  The homeownership rate in Sweden did not vary significantly over the period from 2008 to 2019. It peaked in 2010 and slightly fluctuated the following years. The rate was lowest in 2019, amounting to roughly **** percent. Profile of the European homeowner  Swedes, Germans, Austrians, Turks, and Danes are the European citizens for who homeownership was the least common. Romania was the country with the highest homeownership rate among selected European countries in 2021, followed by Slovakia. Both countries had a rate higher than ** percent. In general, it seemed to be more common to own a home in Eastern European countries than in the Western part of the continent.

Graph and download economic data for 5/1-Year Adjustable Rate Mortgage Average in the United States (DISCONTINUED) (MORTGAGE5US) from 2005-01-06 to 2022-11-10 about adjusted, mortgage, 5-year, interest rate, interest, rate, and USA.

This table contains data described by the following dimensions (Not all combinations are available): Geography (1 items: Canada ...).

The mortgage interest rate in Ireland increased notably in 2023. From **** percent in the fourth quarter of 2022, the rate reached **** percent in the fourth quarter of 2023. In 2024, the rate eased, falling to **** percent in the fourth quarter of the year. This was part of an overall trend of increasing mortgage interest rates in Europe. Factors that influence mortgage interest rates include inflation, economic growth, monetary policies, the bond market, the stability of lenders, and the overall conditions of the housing market.

Graph and download economic data for Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks (DRSFRMACBS) from Q1 1991 to Q2 2025 about domestic offices, delinquencies, 1-unit structures, mortgage, family, residential, commercial, domestic, banks, depository institutions, rate, and USA.

The mortgage interest rate in France had been on a downward trend for nearly a decade, until it started to rise in 2022. In the fourth quarter of 2024, the interest rate amounted to *** percent, down from **** percent during the peak in the first quarter of the year. A similar trend can be observed across most European countries.

Graph and download economic data for 30-Year Fixed Rate FHA Mortgage Index (OBMMIFHA30YF) from 2017-01-03 to 2025-10-20 about FHA, 30-year, mortgage, fixed, rate, indexes, and USA.

Market DataResidential Mortgage Debt Outstanding—Enterprise Share, 1990 – 2010Total mortgages held or securitized by Fannie Mae and Freddie Mac as a Percentage of Residential Mortgage Debt Outstanding, 1990 – 2010. Note: Currently, FHFA does not have any plans to update this dataset through more recent periods.Single-Family Mortgages Originated and Outstanding, 1990 – 2011 Q2Statistics for conventional and government-insured or -guaranteed loans and, within each of those sectors, for fixed-rate and adjustable-rate mortgages. Conventional loans are also divided into jumbo and non-jumbo loans. Note: Currently, FHFA does not have any plans to update this dataset through more recent periods.​ Treasury and Federal Reserve Purchase Programs for GSE and Mortgage-Related Securities Data on activities by the Department of the Treasury and the Federal Reserve System to support mortgage markets through purchases of securities issued by Fannie Mae, Freddie Mac, and the Federal Home Loan Banks and by Ginnie Mae, a federal agency that guarantees securities backed by mortgages insured or guaranteed by the Federal Housing Administration, the Department of Veterans Affairs, and other federal agencies. More details are available on the Treasury and Federal Reserve Purchase Programs for GSE and Mortgage-Related Securities page. ​Note: Currently, FHFA does not have any plans to update this dataset through more recent periods.

United States Mortgage Fixed Rate: Wk Ending: 30 Year: Point data was reported at 0.500 % pa in 26 Jul 2018. This records an increase from the previous number of 0.400 % pa for 19 Jul 2018. United States Mortgage Fixed Rate: Wk Ending: 30 Year: Point data is updated weekly, averaging 0.600 % pa from Jan 2004 (Median) to 26 Jul 2018, with 760 observations. The data reached an all-time high of 0.900 % pa in 18 Nov 2010 and a record low of 0.300 % pa in 08 May 2008. United States Mortgage Fixed Rate: Wk Ending: 30 Year: Point data remains active status in CEIC and is reported by Federal Home Loan Mortgage Corporation, Freddie Mac. The data is categorized under Global Database’s USA – Table US.M012: Mortgage Interest Rate.

Graph and download economic data for Consumer Price Index: Retail price Index: All Items Less Mortgage Interest Rate for the United Kingdom (CPRPTT02GBQ661N) from Q1 1975 to Q4 2017 about mortgage, United Kingdom, all items, retail, interest rate, CPI, interest, housing, price index, rate, indexes, and price.

Lending Rate: RUB Mortgage Loans: YB: Southern Federal District from 2010 (SF) data was reported at 6.980 % pa in Mar 2025. This records a decrease from the previous number of 7.540 % pa for Feb 2025. Lending Rate: RUB Mortgage Loans: YB: Southern Federal District from 2010 (SF) data is updated monthly, averaging 11.920 % pa from Dec 2008 (Median) to Mar 2025, with 196 observations. The data reached an all-time high of 14.660 % pa in Jun 2009 and a record low of 5.810 % pa in Jun 2022. Lending Rate: RUB Mortgage Loans: YB: Southern Federal District from 2010 (SF) data remains active status in CEIC and is reported by Bank of Russia. The data is categorized under Russia Premium Database’s Interest and Foreign Exchange Rates – Table RU.MB010: Lending Rate: RUB Housing Loans: ow Mortgage: by Region: Average from Year Beginning. In January 2010, North Caucasian Federal District was split from Southern Federal District. Since January 2010, North Caucasian Federal District consists of Republic of Dagestan, Republic of Ingushetia, Republic of Kabardino Balkaria, Republic of Karachaevo Cherkessia, Republic of Northern Osetia Alania, Chechen Republic and Stavropol Territory). Since January 2010, Southern Federal District consists of Republic of Adygea, Republic of Kalmykia, Krasnodar Territory, Astrakhan Region, Volgograd Region, Rostov Region. Since July 2016, Republic of Crimea and City of Sevastopol are part of the Southern Federal District. Before that they were forming a separate Crimean Federal District.

The mortgage interest rate for mortgages with initial fixed period rates up to one year in Italy decreased overall between 2011 and 2021, followed by a spike in 2022. In the fourth quarter of 2024, the rate stood at **** percent, down from **** percent from the previous year, when rates peaked. In the same period, the gross residential mortgage lending in Italy fluctuated.

Mortgage credit interest rate, percent in Romania, August, 2025 The most recent value is 7.22 percent as of August 2025, an increase compared to the previous value of 6.46 percent. Historically, the average for Romania from January 2007 to August 2025 is 7.77 percent. The minimum of 4.2 percent was recorded in August 2021, while the maximum of 13.65 percent was reached in May 2010. | TheGlobalEconomy.com

Lending Rate: Foreign Currencies Mortgage Loans: YB: Quarterly: SB: Zabaikalsk Territory data was reported at 10.420 % pa in Dec 2010. This stayed constant from the previous number of 10.420 % pa for Sep 2010. Lending Rate: Foreign Currencies Mortgage Loans: YB: Quarterly: SB: Zabaikalsk Territory data is updated quarterly, averaging 11.000 % pa from Sep 2006 (Median) to Dec 2010, with 17 observations. The data reached an all-time high of 15.500 % pa in Jun 2009 and a record low of 9.800 % pa in Jun 2008. Lending Rate: Foreign Currencies Mortgage Loans: YB: Quarterly: SB: Zabaikalsk Territory data remains active status in CEIC and is reported by Bank of Russia. The data is categorized under Russia Premium Database’s Interest and Foreign Exchange Rates – Table RU.MB012: Lending Rate: Foreign Currencies Housing Loans: ow Mortgage: by Region: Average from Year Beginning.

Poland - Overcrowding rate: Owner, no outstanding mortgage or housing loan was 29.60% in December of 2024, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for Poland - Overcrowding rate: Owner, no outstanding mortgage or housing loan - last updated from the EUROSTAT on October of 2025. Historically, Poland - Overcrowding rate: Owner, no outstanding mortgage or housing loan reached a record high of 43.40% in December of 2010 and a record low of 29.60% in December of 2024.