The average loan term for first-time buyers (FTBs) in Ireland increased slightly between 2017 and 2023. In 2017, the average loan term stood at **** years, and in 2023, it increased to ***** years. Meanwhile, the average term of mortgages to second and subsequent borrowers was notably shorter.

Average Mortgage Size in the United States increased to 381.40 Thousand USD in October from 379.11 Thousand USD in September of 2025. This dataset includes a chart with historical data for the United States Average Mortgage Size.

The average loan term for second and subsequent buyers (SSBs) in Ireland slightly increased in 2023. In 2017, the average loan term stood at 24 years, and in 2023, it stood at ***** years. For first-time buyers, the average term was much longer.

This statistic presents the minimum, average and maximum rates of real estate loans in France as of ************, by loan duration. At that date, the average mortgage rate for a 10-years loan was **** percent compared to *** percent for a loan lasting ** years.

United States Home Mortgage: Average Term to Maturity data was reported at 28.700 Year in Jun 2018. This stayed constant from the previous number of 28.700 Year for May 2018. United States Home Mortgage: Average Term to Maturity data is updated monthly, averaging 27.361 Year from Jan 1973 (Median) to Jun 2018, with 546 observations. The data reached an all-time high of 29.600 Year in Jun 2007 and a record low of 22.800 Year in Dec 1973. United States Home Mortgage: Average Term to Maturity data remains active status in CEIC and is reported by Federal Housing Finance Agency. The data is categorized under Global Database’s USA – Table US.KA019: Home Mortgage Terms.

30 Year Mortgage Rate in the United States decreased to 6.23 percent in November 26 from 6.26 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-11-26 about 15-year, mortgage, fixed, interest rate, interest, rate, and USA.

United States Home Mortgage: Loan-to-Price Ratio data was reported at 78.400 % in Oct 2018. This records an increase from the previous number of 78.000 % for Sep 2018. United States Home Mortgage: Loan-to-Price Ratio data is updated monthly, averaging 75.800 % from Jan 1973 (Median) to Oct 2018, with 550 observations. The data reached an all-time high of 80.800 % in Dec 1994 and a record low of 68.640 % in May 1982. United States Home Mortgage: Loan-to-Price Ratio data remains active status in CEIC and is reported by Federal Housing Finance Agency. The data is categorized under Global Database’s United States – Table US.KB011: Home Mortgage Terms.

Most mortgages for recent first-time buyers in England had a loan term of over 30 years in 2024. Nevertheless, the share of mortgages with a loan duration of over 30 years decreased from **** percent in 2022 to **** percent in 2024. Additionally, mortgages with a shorter duration of up to 19 years became slightly more common.

View weekly updates and historical trends for 30 Year Mortgage Rate. from United States. Source: Freddie Mac. Track economic data with YCharts analytics.

Mortgage rates in the Netherlands increased sharply in 2022 and 2023, after declining gradually between 2008 and 2021. In December 2021, the average interest rate for new mortgage loans stood at **** percent, and by the end of 2023, it had risen to **** percent. In May 2025, mortgage rates decreased slightly, falling to **** percent on average. Mortgages with a 10-year fixed rate were the most affordable, at **** percent. Are mortgage rates in the Netherlands different from those in other European countries? When comparing this ranking to data that covers multiple European countries, the Netherlands’ mortgage rate was similar to the rates found in Spain, the United Kingdom, and Sweden. It was, however, a lot lower than the rates in Eastern Europe. Hungary and Romania, for example, had some of the highest mortgage rates. For more information on the European mortgage market and how much the countries differ from each other, please visit this dedicated research page. How big is the mortgage market in the Netherlands? The Netherlands has overall seen an increase in the number of mortgage loans sold and is regarded as one of the countries with the highest mortgage debt in Europe. The reason behind this is that Dutch homeowners were able to for many years to deduct interest paid from pre-tax income (a system known in the Netherlands as hypotheekrenteaftrek). Total mortgage debt of Dutch households has been increasing year-on-year since 2013.

Fixed 30-year mortgage rates in the United States averaged 6.40 percent in the week ending November 21 of 2025. This dataset provides the latest reported value for - United States MBA 30-Yr Mortgage Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Mortgage Rate in Sweden decreased to 2.80 percent in September from 2.84 percent in August of 2025. This dataset includes a chart with historical data for Sweden Average Interest Rate on New Agreements for Mortgages to Households.

In May 29, 2019, FHFA published its final Monthly Interest Rate Survey (MIRS), due to dwindling participation by financial institutions. MIRS had provided information on a monthly basis on interest rates, loan terms, and house prices by property type (all, new, previously occupied); by loan type (fixed- or adjustable-rate), and by lender type (savings associations, mortgage companies, commercial banks and savings banks); as well as information on 15-year and 30-year, fixed-rate loans. Additionally, MIRS provided quarterly information on conventional loans by major metropolitan area and by Federal Home Loan Bank district, and was used to compile FHFA’s monthly adjustable-rate mortgage index entitled the “National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders,” also known as the ARM Index.

In the United States, interest rates for all mortgage types started to increase in 2021. This was due to the Federal Reserve introducing a series of hikes in the federal funds rate to contain the rising inflation. In the second quarter of 2025, the 30-year fixed rate dropped slightly, to **** percent. The rate remained below the peak of **** percent in the fourth quarter of 2023. Why have U.S. home sales decreased? Cheaper mortgages normally encourage consumers to buy homes, while higher borrowing costs have the opposite effect. As interest rates increased in 2022, the number of existing homes sold plummeted. Soaring house prices over the past 10 years have further affected housing affordability. Between 2014 and 2024, the median price of an existing single-family home risen by about ** percent. On the other hand, the median weekly earnings have risen much slower. Comparing mortgage terms and rates Between 2008 and 2024, the average rate on a 15-year fixed-rate mortgage in the United States stood between **** and **** percent. Over the same period, a 30-year mortgage term averaged a fixed-rate of between **** and **** percent. Rates on 15-year loan terms are lower to encourage a quicker repayment, which helps to improve a homeowner’s equity.

The HUD monthly interest rate survey provides information on interest rates, loan terms, and house prices. The survey is conducted by property type, loan type, and lender type. How the survey is conducted The survey provides information on all properties, new properties, and previously occupied properties.The survey provides information on fixed-rate and adjustable-rate loans.The survey provides information on lenders such as savings associations, mortgage companies, commercial banks, and savings banks.What the survey includes The survey provides information on interest rates, loan terms, and house prices.The survey provides information on property type, loan type, and lender type.Update on the Discontinuation of FHFA's Monthly Interest Rate Survey (MIRS)On May 29, 2019, FHFA published its final Monthly Interest Rate Survey (MIRS), due to dwindling participation by financial institutions. MIRS had provided information on a monthly basis on interest rates, loan terms, and house prices by property type (all, new, previously occupied); by loan type (fixed- or adjustable-rate), and by lender type (savings associations, mortgage companies, commercial banks and savings banks); as well as information on 15-year and 30-year, fixed-rate loans. Additionally, MIRS provided quarterly information on conventional loans by major metropolitan area and by Federal Home Loan Bank district, and was used to compile FHFA’s monthly adjustable-rate mortgage index entitled the “National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders,” also known as the ARM Index.As some banks use the ARM Index as the basis for adjusting the interest rates on adjustable-rate mortgages, FHFA created and designated as the replacement for the ARM Index a version of Freddie Mac’s 30-year Primary Mortgage Market Survey® (PMMS®) that adjusts for differences between the two. This new index is called “MIRS Transition Index” and will be published on fhfa.gov on the final Thursday of every month. June 2019 was the first MIRS Transition index value to be published. The MIRS Transition index is intended to be used in lieu of the discontinued index for currently outstanding loans, and not as a reference rate on newly-originated adjustable-rate mortgages. The MIRS Transition Index was briefly referred to as PMMS+. It is not a replacement for PMMS.

The average mortgage interest rate in Spain followed a downward trend for almost a decade before increasing dramatically in 2022. In 2024, new housing loans had an average interest rate of *** percent — about double the interest rate in 2020. Mortgages with a five- to 10-year term had a slightly lower interest rate, making them the most affordable option. Why did mortgage rates spike? Macroeconomic factors, such as inflation, economic growth, and fiscal policy, play a major role in determining the cost of a loan. Inflation in Europe started rising in late 2021, largely due to surging energy costs. In Spain, the annual change of the consumer price index peaked at almost ** percent in July 2023. The European Central Bank has responded by introducing a series of hikes on the key interest rates (main refinancing operations, marginal lending facility, and deposit facility), which have affected lending rates across the European Union. How has the housing market reacted to the interest rate hike? The housing market follows a certain seasonality, with more home sales in the second and fourth quarters of the year. This was also the case in 2022, but the last quarter of the year saw an annual decline. Though compared to previous years, the number of transactions was one of the highest, the annual decrease shows a potential downturn.

Evaluate Canada’s best mortgage rates in one place. RATESDOTCA’s Rate Matrix lets you compare pricing for all key mortgage types and terms. Rates are based on an average mortgage of $300,000

Mortgage interest rates worldwide varied greatly in June 2025, from less than ******percent in many European countries to as high as ***percent in Turkey. The average mortgage rate in a country depends on the central bank's base lending rate and macroeconomic indicators such as inflation and forecast economic growth. Since 2022, inflationary pressures have led to rapid increases in mortgage interest rates. Which are the leading mortgage markets? An easy way to estimate the importance of the mortgage sector in each country is by comparing household debt depth, or the ratio of the debt held by households compared to the county's GDP. In 2024, Switzerland, Australia, and Canada had some of the highest household debt to GDP ratios worldwide. While this indicator shows the size of the sector relative to the country’s economy, the value of mortgages outstanding allows to compare the market size in different countries. In Europe, for instance, the United Kingdom, Germany, and France were the largest mortgage markets by outstanding mortgage lending. Mortgage lending trends in the U.S. In the United States, new mortgage lending soared in 2021. This was largely due to the growth of new refinance loans that allow homeowners to renegotiate their mortgage terms and replace their existing loan with a more favorable one. Following the rise in interest rates, the mortgage market cooled, and refinance loans declined.

Russia Bank Lending Conditions: Households: Mortgage: Loan Term data was reported at 0.000 % Point in Mar 2019. This stayed constant from the previous number of 0.000 % Point for Dec 2018. Russia Bank Lending Conditions: Households: Mortgage: Loan Term data is updated quarterly, averaging 0.000 % Point from Dec 2011 (Median) to Mar 2019, with 30 observations. The data reached an all-time high of 11.111 % Point in Dec 2014 and a record low of -3.488 % Point in Mar 2018. Russia Bank Lending Conditions: Households: Mortgage: Loan Term data remains active status in CEIC and is reported by The Central Bank of the Russian Federation. The data is categorized under Global Database’s Russian Federation – Table RU.KAC018: Bank Lending Tightness: Loans to Households.