Current interest rates

This overview shows the mortgage rates offered by lenders we can apply for on your behalf. Each fixed-rate period has a different interest rate. Generally, the longer the period, the higher the interest rate.

The rate class is especially useful for homeowners; you’ll find it at the very top of the table. The lender considers the ratio between the mortgage amount and the value of your home and determines your rate class based on that. The lower the mortgage amount relative to the value of the home, the lower the rate class. This can save you hundreds, or even thousands, of euros over time.

Mortgages with a National Mortgage Guarantee (NHG) generally don’t have a surcharge. You usually pay the base rate directly for these.