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Cost of living index > Property price index > Countries with the lowest mortgage rates in Europe

2025 - Countries With The Lowest Mortgage Rates In Europe

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Top Countries with the lowest mortgage rates in Europe 2025

Descending rankings:

Most expensive countries in Europe by property price index

Rankings

Most expensive countries in Europe by property price index Countries with the most expensive utilities in Europe Countries with the most expensive mobile service in Europe Countries with the most expensive internet service in Europe Countries with the most expensive apartment prices in Europe Countries with the most expensive rent in Europe Countries with the highest mortgage rates in Europe

Ascending rankings:

Countries with the lowest mortgage rates in Europe

Rankings

Cheapest countries in Europe by property price index Countries with the cheapest utilities in Europe Countries with the cheapest mobile service in Europe Countries with the cheapest internet in Europe Countries with the cheapest apartment prices in Europe Countries with the cheapest rent in Europe Countries with the lowest mortgage rates in Europe

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Ranking

Indicators

#

Place

Countries

European ranking

Mortgage rate (30 years, fixed)

More affordable at first

Mortgage monthly payment (1-bedroom apartment)

US Dollars, $

Rent price (1-bedroom apartment)

US Dollars, $
🏅 1
🇱🇺   Luxembourg
2.29
1 494.86
1 193.42
🥈 2
🇨🇭   Switzerland
2.42
2 258.30
1 339.75
🥉 3
🇲🇨   Monaco
3.10
18 824.37
6 518.86
4
🇫🇮   Finland
3.25
870.12
565.88
5
🇦🇩   Andorra
3.29
1 267.49
754.73
6
🇦🇹   Austria
3.41
1 208.12
646.70
7
🇧🇪   Belgium
3.41
861.04
698.74
8
🇪🇸   Spain
3.48
620.63
638.43
9
🇫🇷   France
3.62
1 179.55
612.63
10
🇱🇻   Latvia
3.75
318.86
257.72
11
🇸🇮   Slovenia
3.79
684.69
481.34
12
🇩🇰   Denmark
3.89
1 069.34
715.05
13
🇩🇪   Germany
3.93
1 214.20
614.91
14
🇪🇪   Estonia
4.02
500.03
379.17
15
🇧🇦   Bosnia and Herzegovina
4.11
390.90
186.58
16
🇳🇴   Norway
4.13
1 106.65
752.58
17
🇸🇰   Slovakia
4.14
638.73
476.56
18
🇱🇹   Lithuania
4.15
442.61
307.25
19
🇳🇱   Netherlands
4.16
1 275.96
1 034.40
20
🇭🇷   Croatia
4.24
832.81
410.02
21
🇽🇰   Kosovo
4.26
301.80
256.19
22
🇮🇪   Ireland
4.29
955.15
1 213.58
23
🇧🇬   Bulgaria
4.33
324.30
224.71
24
🇮🇹   Italy
4.36
708.06
520.26
25
🇸🇪   Sweden
4.37
973.39
614.65
26
🇬🇷   Greece
4.43
706.59
416.37
27
🇲🇹   Malta
4.52
1 027.31
756.18
28
🇵🇹   Portugal
4.83
818.15
639.05
29
🇦🇱   Albania
4.87
446.35
299.26
30
🇲🇪   Montenegro
5.14
625.13
387.71
31
🇨🇿   Czechia
5.58
1 233.90
627.73
32
🇬🇧   United Kingdom
5.59
1 605.97
967.34
33
🇲🇰   North Macedonia
5.85
339.45
174.80
34
🇷🇸   Serbia
6.74
568.04
193.30
35
🇵🇱   Poland
6.76
910.69
434.92
36
🇱🇮   Liechtenstein
6.83
2 576.56
1 058.85
37
🇷🇴   Romania
6.97
495.78
233.62
38
🇮🇸   Iceland
7.10
1 573.99
1 065.54
39
🇭🇺   Hungary
7.92
803.50
292.00
40
🇲🇩   Moldova
10.72
448.61
243.37
41
🇬🇪   Georgia
11.16
563.53
274.05
42
🇧🇾   Belarus
13.58
557.32
154.19
43
🇦🇲   Armenia
16.00
1 139.70
337.35
44
🇺🇦   Ukraine
16.02
653.14
194.31

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