Mortgage rates in 2025 vary significantly by country, with the highest rates in nations like Turkey (\(38.79\%\)) and Argentina (\(31.73\%\)). The lowest rates are found in countries such as Switzerland (\(1.73\%\)), while the Euro area has an average of \(2.42\%\). Other countries like the US have rates around \(6.24\%\) for a 30-year mortgage, and Canada has 5-year fixed rates at \(3.79\%\).
Countries with the highest rates
Turkey: \(38.79\%\) (March 2025)
Argentina: \(31.73\%\) (March 2025)
Suriname: \(14.16\%\) (December 2024)
Countries with the lowest rates
Switzerland: \(1.73\%\) (December 2024)
Bulgaria: \(2.76\%\) (December 2024)
Croatia: \(3.07\%\) (September 2024)
Luxembourg: \(2.78\%\) (December 2024)
Other notable rates
United States: \(6.24\%\) (30-year mortgage, November 2025)
Canada: \(3.79\%\) (lowest 5-year fixed, October 2025)
Denmark: \(4.69\%\) (January 2025)
Ireland: \(3.61\%\) (December 2024)
Germany: \(3.56\%\) (December 2024)
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