Find the Best Rates Worldwide
Compare home loan interest rates from 45+ countries and major financial hubs. All rates updated for 2026.
North America
🇺🇸United States
6.5% – 8.5%Top lenders: Chase, Wells Fargo, Rocket
- FICO Score Focus
- 30-Year Fixed Available
- No Prepayment Penalty
🇨🇦Canada
5.8% – 7.4%Top lenders: RBC, TD, BMO
- Variable & Fixed Rates
- Prepayment Options
- Mortgage Portability
🇲🇽Mexico
10.5% – 14.0%Top lenders: BBVA, Banorte, Santander MX
- Peso-Denominated
- Govt Subsidies Available
Europe
🇬🇧United Kingdom
4.2% – 7.5%Top lenders: Halifax, Barclays, HSBC
- Fixed Rates Available
- Help to Buy Schemes
- Offset Mortgages
🇩🇪Germany
3.8% – 6.0%Top lenders: ING, DKB, Commerzbank
- Low Fixed Rates
- Schufa Score System
- Long-Term Fixes
🇫🇷France
3.7% – 5.5%Top lenders: BNP Paribas, Crédit Agricole, SG
- No Public Credit Score
- Income-Based Assessment
- Taux Fixe Dominant
🇨🇭Switzerland
2.5% – 4.5%Top lenders: UBS, Credit Suisse, ZKB
- Ultra-Low Rates
- SARON-Based Variable
- High Down Payment Required
🇳🇱Netherlands
4.0% – 6.0%Top lenders: ABN AMRO, ING NL, Rabobank
- NHG Guarantee
- BKR Registry
- Tax Deductible Interest
🇸🇪Sweden
4.2% – 6.5%Top lenders: Nordea, SEB, Handelsbanken
- Variable Rate Dominant
- Amortization Requirements
🇮🇹Italy
3.5% – 5.5%Top lenders: Intesa, UniCredit, BPER
- Fixed & Variable
- Under-25 Guarantee Scheme
🇪🇸Spain
3.5% – 6.0%Top lenders: CaixaBank, Santander, BBVA
- Euribor-Linked Rates
- Fixed Rate Growth
🇵🇱Poland
7.5% – 10.0%Top lenders: PKO BP, mBank, ING PL
- WIBOR-Linked
- Govt Housing Programs
Middle East
🇦🇪UAE
4.5% – 8.0%Top lenders: Emirates NBD, ADCB, Mashreq
- Expat-Friendly Loans
- AECB Score System
- Islamic Financing Available
🇸🇦Saudi Arabia
5.0% – 8.5%Top lenders: Al Rajhi, SNB, Riyad Bank
- Sharia-Compliant
- SIMAH Credit Bureau
- Govt Housing Support
🇶🇦Qatar
4.5% – 7.5%Top lenders: QNB, Commercial Bank, Doha Bank
- Low Rates for Nationals
- End-of-Service Linked
🇰🇼Kuwait
4.0% – 6.5%Top lenders: NBK, KFH, Burgan Bank
- CBK Regulated Caps
- Islamic Products Dominant
🇧🇭Bahrain
5.0% – 8.0%Top lenders: NBB, BBK, Ithmaar
- Sharia & Conventional
- Compact Market
🇴🇲Oman
5.5% – 8.5%Top lenders: Bank Muscat, NBO, Sohar
- CBO Rate Caps
- Islamic Options Available
South Asia
🇮🇳India
8.4% – 10.5%Top lenders: SBI, HDFC, ICICI
- Tax Benefits (Sec 24b)
- Overdraft Facility
- CIBIL Score System
🇵🇰Pakistan
18.0% – 24.0%Top lenders: HBL, MCB, UBL
- SBP Regulated
- Islamic Banking Growth
🇧🇩Bangladesh
9.0% – 13.0%Top lenders: Sonali, Islami Bank, BRAC
- Central Bank Rate Caps
- Growing Digital Lending
🇱🇰Sri Lanka
12.0% – 18.0%Top lenders: BoC, People's Bank, Commercial
- CBSL Guided Rates
- Variable Rate Dominant
🇳🇵Nepal
10.0% – 14.0%Top lenders: NRB, Nabil, Standard Chartered NP
- NRB Regulated
- Growing Housing Finance
Southeast Asia
🇸🇬Singapore
2.8% – 5.5%Top lenders: DBS, OCBC, UOB
- Ultra-Low Home Rates
- CBS Score System
- TDSR Framework
🇲🇾Malaysia
3.5% – 5.5%Top lenders: Maybank, CIMB, Public Bank
- BNM OPR-Linked
- CCRIS Bureau
- Islamic Financing
🇵🇭Philippines
7.0% – 12.0%Top lenders: BDO, BPI, Metrobank
- Pag-IBIG Housing
- CIC Credit Bureau
🇮🇩Indonesia
8.0% – 12.0%Top lenders: BCA, BRI, Mandiri
- BI Rate Linked
- KPR Housing Loans
🇹🇭Thailand
5.5% – 8.0%Top lenders: Bangkok Bank, SCB, Kasikorn
- BoT MLR-Linked
- NCB Bureau
🇻🇳Vietnam
8.0% – 12.0%Top lenders: Vietcombank, BIDV, Techcombank
- SBV Regulated
- Growing Digital Lending
East Asia
🇯🇵Japan
0.5% – 2.5%Top lenders: MUFG, SMBC, Mizuho
- Ultra-Low Rates
- No Public Credit Score
- 35-Year Terms Available
🇰🇷South Korea
3.5% – 5.5%Top lenders: KB, Shinhan, Hana
- DSR Regulations
- NICE/KCB Scores
🇨🇳China
3.5% – 5.0%Top lenders: ICBC, CCB, ABC
- LPR-Linked Rates
- PBoC Guided
- Hukou Requirements
🇭🇰Hong Kong
3.0% – 5.0%Top lenders: HSBC HK, Standard Chartered, BoC HK
- HIBOR/Prime Linked
- Mortgage Insurance
🇹🇼Taiwan
2.0% – 4.0%Top lenders: CTBC, Cathay, Fubon
- Low Benchmark Rates
- JCIC Bureau
Oceania
🇦🇺Australia
5.7% – 7.8%Top lenders: CBA, Westpac, ANZ, NAB
- Offset Accounts
- Redraw Facilities
- Equifax Scores (0–1200)
🇳🇿New Zealand
6.5% – 8.0%Top lenders: ANZ NZ, ASB, Westpac NZ
- Floating & Fixed
- LVR Restrictions
Africa
🇿🇦South Africa
10.5% – 14.0%Top lenders: FNB, Standard Bank, Absa
- SARB Prime-Linked
- TransUnion Scores
🇳🇬Nigeria
16.0% – 28.0%Top lenders: GTBank, Access, Zenith
- CBN Guided
- High Inflation Adjusted
🇰🇪Kenya
13.0% – 18.0%Top lenders: Equity, KCB, Co-op
- CBK Rate Caps
- Mobile Lending Growth
🇪🇬Egypt
14.0% – 20.0%Top lenders: NBE, CIB, QNB Alahli
- CBE Guided Rates
- Social Housing Subsidies
🇬🇭Ghana
25.0% – 35.0%Top lenders: GCB, Ecobank, Stanbic
- BoG Policy Rate Linked
- Mortgage Market Growing
South America
🇧🇷Brazil
10.0% – 16.0%Top lenders: Itaú, Bradesco, Banco do Brasil
- Serasa Score System
- FGTS Housing Fund
🇦🇷Argentina
70.0% – 120.0%Top lenders: Banco Nación, Galicia, Macro
- UVA-Indexed Loans
- High Inflation Environment
🇨🇴Colombia
12.0% – 18.0%Top lenders: Bancolombia, Davivienda, BBVA CO
- BanRep Rate Linked
- VIS Housing Subsidies
🇨🇱Chile
4.5% – 7.0%Top lenders: Banco de Chile, BCI, Santander CL
- UF-Indexed Rates
- Subsidio Habitacional
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