Market Insights
Current mortgage rates and market trends in Germany
10-Year Rate vs. Last Year
-13.0%
Change in the most common fixed period rate
Current Mortgage Rates
Effective rate p.a.
Effective rate p.a.
Effective rate p.a.
Effective rate p.a.
Calculate Your Mortgage
See what these rates mean for your monthly payment.
Mortgage rates continue their gradual decline from 2025 peaks. The 10-year fixed rate now averages 3.35%, down from 3.85% a year ago.
January 1, 2026
The European Central Bank has signaled a cautious approach to further rate cuts in 2026, suggesting rates may stabilize around current levels.
December 15, 2025
With rates trending down, consider whether to lock in current rates or wait. Remember: trying to time the market perfectly is rarely successful.
December 1, 2025
Important information about these rates:
- Rates shown are indicative averages and may vary based on individual circumstances
- Actual rates depend on credit score, loan-to-value ratio, and property type
- Always get personalized quotes from multiple lenders before making decisions