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2025 - Countries With The Highest Mortgage Rates In Europe

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Top Countries with the highest mortgage rates in Europe 2025

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Ranking

Indicators

#

Place

Countries

European ranking

Mortgage rate (30 years, fixed)

More expensive at first

Mortgage monthly payment (1-bedroom apartment)

US Dollars, $

Rent price (1-bedroom apartment)

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

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