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Mortgage rates
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Current rate against prior peak
percentage points
Reading this view. Each bar is the latest rate minus that market's highest recorded rate, in percentage points. Markets closest to their peak (still expensive relative to their own history) sort first.
Series coverage by market
first to latest observation
Series depth. Comparisons drawn from a window that predates a market's first observation exclude that market from the sample.
How to interpret mortgage rates:
- What they show: Rates generally reflect mortgages offered or issued to local homebuyers. Terms for foreign buyers and investors may differ.
- Loan terms: Rates can vary by lender, loan size, deposit, repayment period and whether the rate is fixed or variable.
- Country averages: A national rate may not reflect the mortgage available for a particular property or borrower.
- Source methods: Some sources report rates on newly issued loans; others report advertised rates or rates on existing loans. Check each country’s source notes before comparing rates.