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

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.

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 rates surged at an unprecedented pace in 2022, with the average 10-year fixed rate doubling between March and December of that year. In response to mounting inflation, the Bank of England implemented a series of rate hikes, pushing borrowing costs steadily higher. By October 2025, the average 10-year fixed mortgage rate stood at **** percent. As financing becomes more expensive, housing demand has cooled, weighing on market sentiment and slowing house price growth. How have the mortgage hikes affected the market? After surging in 2021, the number of residential properties sold fell significantly in 2023, dipping to just above *** million transactions. This contraction in activity also dampened mortgage lending. Between the first quarter of 2023 and the first quarter of 2024, the value of new mortgage loans declined year-on-year for five consecutive quarters. Even as rates eased modestly in 2024 and housing activity picked up slightly, volumes remained well below the highs recorded in 2021. How are higher mortgages impacting homebuyers? For homeowners, the impact is being felt most acutely as fixed-rate deals expire. Mortgage terms in the UK typically range from two to ten years, and many borrowers who locked in historically low rates are now facing significantly higher repayments when refinancing. By the end of 2026, an estimated five million homeowners will see their mortgage deals expire. Roughly two million of these loans are projected to experience a monthly payment increase of up to *** British pounds by 2026, putting additional pressure on household budgets and constraining affordability across the market.

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.

View weekly updates and historical trends for 15 Year Mortgage Rate. from United States. Source: Freddie Mac. Track economic data with YCharts analytics.

Mortgage Application in the United States increased by 0.20 percent in the week ending November 21 of 2025 over the previous week. This dataset provides - United States MBA Mortgage Applications - actual values, historical data, forecast, chart, statistics, economic calendar and news.

France Mortgage Rate: Avg: Consumer: Up to 1 Year data was reported at 3.780 % in Mar 2025. This records an increase from the previous number of 3.750 % for Feb 2025. France Mortgage Rate: Avg: Consumer: Up to 1 Year data is updated monthly, averaging 3.120 % from Jan 2003 (Median) to Mar 2025, with 267 observations. The data reached an all-time high of 5.380 % in Dec 2008 and a record low of 1.160 % in Feb 2022. France Mortgage Rate: Avg: Consumer: Up to 1 Year data remains active status in CEIC and is reported by Banque de France. The data is categorized under Global Database’s France – Table FR.M007: Mortgage Rate. http://www.banque-france.fr/gb/stat_conjoncture/series/statmon/html/statmon.htm [COVID-19-IMPACT]

The U.S. federal funds effective rate underwent a dramatic reduction in early 2020 in response to the COVID-19 pandemic. The rate plummeted from 1.58 percent in February 2020 to 0.65 percent in March and further decreased to 0.05 percent in April. This sharp reduction, accompanied by the Federal Reserve's quantitative easing program, was implemented to stabilize the economy during the global health crisis. After maintaining historically low rates for nearly two years, the Federal Reserve began a series of rate hikes in early 2022, with the rate moving from 0.33 percent in April 2022 to 5.33 percent in August 2023. The rate remained unchanged for over a year before the Federal Reserve initiated its first rate cut in nearly three years in September 2024, bringing the rate to 5.13 percent. By December 2024, the rate was cut to 4.48 percent, signaling a shift in monetary policy in the second half of 2024. In January 2025, the Federal Reserve implemented another cut, setting the rate at 4.33 percent, which remained unchanged until September 2025, when another cut set the rate at 4.22 percent. In October 2025, the rate was further reduced to 4.09 percent. What is the federal funds effective rate? The U.S. federal funds effective rate determines the interest rate paid by depository institutions, such as banks and credit unions, that lend reserve balances to other depository institutions overnight. Changing the effective rate in times of crisis is a common way to stimulate the economy, as it has a significant impact on the whole economy, such as economic growth, employment, and inflation. Central bank policy rates The adjustment of interest rates in response to the COVID-19 pandemic was a coordinated global effort. In early 2020, central banks worldwide implemented aggressive monetary easing policies to combat the economic crisis. The U.S. Federal Reserve's dramatic reduction of its federal funds rate—from 1.58 percent in February 2020 to 0.05 percent by April—mirrored similar actions taken by central banks globally. While these low rates remained in place throughout 2021, mounting inflationary pressures led to a synchronized tightening cycle beginning in 2022, with central banks pushing rates to multi-year highs. By mid-2024, as inflation moderated across major economies, central banks began implementing their first rate cuts in several years, with the U.S. Federal Reserve, Bank of England, and European Central Bank all easing monetary policy.

Belgium Lending Rate: Outstanding: Households: Mortgage Credit: Up to 1 Year data was reported at 4.880 % pa in Feb 2025. This records a decrease from the previous number of 4.980 % pa for Jan 2025. Belgium Lending Rate: Outstanding: Households: Mortgage Credit: Up to 1 Year data is updated monthly, averaging 3.360 % pa from Jan 2003 (Median) to Feb 2025, with 266 observations. The data reached an all-time high of 5.870 % pa in Nov 2008 and a record low of 1.980 % pa in Oct 2020. Belgium Lending Rate: Outstanding: Households: Mortgage Credit: Up to 1 Year data remains active status in CEIC and is reported by National Bank of Belgium. The data is categorized under Global Database’s Belgium – Table BE.M005: Lending Rate.

Slovenia Lending Rate: New Loans: Non Financial Corp: Over EUR 1 Million: Over 1 and Up to 5 Years Rate Fixation data was reported at 6.990 % pa in Mar 2025. This records an increase from the previous number of 3.350 % pa for Jan 2025. Slovenia Lending Rate: New Loans: Non Financial Corp: Over EUR 1 Million: Over 1 and Up to 5 Years Rate Fixation data is updated monthly, averaging 4.470 % pa from Jan 2003 (Median) to Mar 2025, with 231 observations. The data reached an all-time high of 9.700 % pa in Jun 2003 and a record low of 0.100 % pa in Nov 2021. Slovenia Lending Rate: New Loans: Non Financial Corp: Over EUR 1 Million: Over 1 and Up to 5 Years Rate Fixation data remains active status in CEIC and is reported by Bank of Slovenia. The data is categorized under Global Database’s Slovenia – Table SI.M005: Lending Rates.

Belgium Lending Rate: Outstanding: Non Financial Corporations: Up to 1 Year data was reported at 4.200 % pa in Feb 2025. This records a decrease from the previous number of 4.360 % pa for Jan 2025. Belgium Lending Rate: Outstanding: Non Financial Corporations: Up to 1 Year data is updated monthly, averaging 2.760 % pa from Jan 2003 (Median) to Feb 2025, with 266 observations. The data reached an all-time high of 5.990 % pa in Oct 2008 and a record low of 1.610 % pa in Jul 2019. Belgium Lending Rate: Outstanding: Non Financial Corporations: Up to 1 Year data remains active status in CEIC and is reported by National Bank of Belgium. The data is categorized under Global Database’s Belgium – Table BE.M005: Lending Rate.

The 10-year treasury constant maturity rate in the U.S. is forecast to increase by *** percentage points by 2027, while the 30-year fixed mortgage rate is expected to fall by *** percentage points. From *** percent in 2024, the average 30-year mortgage rate is projected to reach *** percent in 2027.

View market daily updates and historical trends for US Bank Prime Loan Rate. from United States. Source: Federal Reserve. Track economic data with YCharts…

Bosnia and Herzegovina Lending Rate: HH: House Purchases: Floating Rate: Up to 1 Year Initial Rate Fixation data was reported at 3.455 % pa in Mar 2025. This records a decrease from the previous number of 4.260 % pa for Jan 2025. Bosnia and Herzegovina Lending Rate: HH: House Purchases: Floating Rate: Up to 1 Year Initial Rate Fixation data is updated monthly, averaging 4.193 % pa from Apr 2012 (Median) to Mar 2025, with 134 observations. The data reached an all-time high of 8.602 % pa in Apr 2012 and a record low of 2.826 % pa in Sep 2021. Bosnia and Herzegovina Lending Rate: HH: House Purchases: Floating Rate: Up to 1 Year Initial Rate Fixation data remains active status in CEIC and is reported by Central Bank of Bosnia and Herzegovina. The data is categorized under Global Database’s Bosnia and Herzegovina – Table BA.M003: Lending Rates.

The benchmark interest rate in Sweden was last recorded at 1.75 percent. This dataset provides the latest reported value for - Sweden Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Bosnia and Herzegovina Lending Rate: Households (HH): Consumption: Floating Rate: Up to 1 Year Initial Rate Fixation data was reported at 5.159 % pa in Jan 2025. This records a decrease from the previous number of 5.280 % pa for Dec 2024. Bosnia and Herzegovina Lending Rate: Households (HH): Consumption: Floating Rate: Up to 1 Year Initial Rate Fixation data is updated monthly, averaging 5.566 % pa from Jan 2012 (Median) to Jan 2025, with 137 observations. The data reached an all-time high of 8.598 % pa in Mar 2012 and a record low of 1.399 % pa in Dec 2021. Bosnia and Herzegovina Lending Rate: Households (HH): Consumption: Floating Rate: Up to 1 Year Initial Rate Fixation data remains active status in CEIC and is reported by Central Bank of Bosnia and Herzegovina. The data is categorized under Global Database’s Bosnia and Herzegovina – Table BA.M003: Lending Rates.

Key information about Colombia Bank Lending Rate

• Colombia Bank Lending Rate was reported at 14.305 % pa in Oct 2025.
• This records an increase from the previous number of 13.795 % pa for Sep 2025.
• Colombia Bank Lending Rate data is updated monthly, averaging 13.801 % pa from Jan 1986 to Oct 2025, with 478 observations.
• The data reached an all-time high of 50.490 % pa in Jun 1998 and a record low of 8.203 % pa in May 2021.
• Colombia Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Monthly.

The benchmark interest rate in Japan was last recorded at 0.50 percent. This dataset provides - Japan Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

August 2024 marked a significant shift in the UK's monetary policy, as it saw the first reduction in the official bank base interest rate since August 2023. This change came after a period of consistent rate hikes that began in late 2021. In a bid to minimize the economic effects of the COVID-19 pandemic, the Bank of England cut the official bank base rate in March 2020 to a record low of *** percent. This historic low came just one week after the Bank of England cut rates from **** percent to **** percent in a bid to prevent mass job cuts in the United Kingdom. It remained at *** percent until December 2021 and was increased to one percent in May 2022 and to **** percent in October 2022. After that, the bank rate increased almost on a monthly basis, reaching **** percent in August 2023. It wasn't until August 2024 that the first rate decrease since the previous year occurred, signaling a potential shift in monetary policy. Why do central banks adjust interest rates? Central banks, including the Bank of England, adjust interest rates to manage economic stability and control inflation. Their strategies involve a delicate balance between two main approaches. When central banks raise interest rates, their goal is to cool down an overheated economy. Higher rates curb excessive spending and borrowing, which helps to prevent runaway inflation. This approach is typically used when the economy is growing too quickly or when inflation is rising above desired levels. Conversely, when central banks lower interest rates, they aim to encourage borrowing and investment. This strategy is employed to stimulate economic growth during periods of slowdown or recession. Lower rates make it cheaper for businesses and individuals to borrow money, which can lead to increased spending and investment. This dual approach allows central banks to maintain a balance between promoting growth and controlling inflation, ensuring long-term economic stability. Additionally, adjusting interest rates can influence currency values, impacting international trade and investment flows, further underscoring their critical role in a nation's economic health. Recent interest rate trends Between 2021 and 2025, most advanced and emerging economies experienced a period of regular interest rate hikes. This trend was driven by several factors, including persistent supply chain disruptions, high energy prices, and robust demand pressures. These elements combined to create significant inflationary trends, prompting central banks to raise rates to temper spending and borrowing. However, in 2024, a shift began to occur in global monetary policy. The European Central Bank (ECB) was among the first major central banks to reverse this trend by cutting interest rates. This move signaled a change in approach aimed at addressing growing economic slowdowns and supporting growth.