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Mortgage rates today

Current official mortgage rates: US 30-year and 15-year fixed (Freddie Mac), UK fixed rates (Bank of England), Canada (Bank of Canada) and euro countries (ECB), with weekly and yearly change.

CountryProductRate %Change1 year ago %DateSource
United States30-year fixed rate mortgage7.11-0.076.222026-11-12Freddie Mac PMMS
United States15-year fixed rate mortgage6.45-0.125.52026-11-12Freddie Mac PMMS
CanadaConventional mortgage, 1-year fixed (posted rate)5.49+0.006.092026-11-11Bank of Canada Valet
CanadaConventional mortgage, 3-year fixed (posted rate)6.05+0.006.052026-11-11Bank of Canada Valet
CanadaConventional mortgage, 5-year fixed (posted rate)6.19+0.006.092026-11-11Bank of Canada Valet
CanadaPrime rate (reference)4.7+0.004.452026-11-11Bank of Canada Valet
United Kingdom2-year fixed rate mortgage, 75% LTV5.39+0.264.22026-10-31Bank of England Bankstats
United Kingdom3-year fixed rate mortgage, 75% LTV5.18+0.254.192026-10-31Bank of England Bankstats
United Kingdom5-year fixed rate mortgage, 75% LTV5.19+0.214.172026-10-31Bank of England Bankstats
United Kingdom10-year fixed rate mortgage, 75% LTV5.42+0.084.552026-10-31Bank of England Bankstats
United Kingdom2-year fixed rate mortgage, 95% LTV5.88+0.1852026-10-31Bank of England Bankstats
United Kingdom2-year variable rate mortgage, 75% LTV4.22-0.014.272026-10-31Bank of England Bankstats
United KingdomBank Rate (reference)3.75+0.0042026-10-31Bank of England Bankstats
GermanyCost of borrowing for house purchase (all fixation periods, new business)4.09+0.093.752026-09-30ECB MFI interest rate statistics
GermanyHouse purchase loans, floating rate or up to 1 year fixation (new business)4.51+0.114.162026-09-30ECB MFI interest rate statistics
GermanyHouse purchase loans, over 1 and up to 5 years fixation (new business)4.03+0.003.582026-09-30ECB MFI interest rate statistics
GermanyHouse purchase loans, over 5 and up to 10 years fixation (new business)3.91+0.103.62026-09-30ECB MFI interest rate statistics
GermanyHouse purchase loans, over 10 years fixation (new business)4.13+0.093.792026-09-30ECB MFI interest rate statistics
SpainCost of borrowing for house purchase (all fixation periods, new business)2.99-0.052.672026-09-30ECB MFI interest rate statistics
SpainHouse purchase loans, floating rate or up to 1 year fixation (new business)3.26+0.032.772026-09-30ECB MFI interest rate statistics
SpainHouse purchase loans, over 1 and up to 5 years fixation (new business)4.02-0.093.132026-09-30ECB MFI interest rate statistics
SpainHouse purchase loans, over 5 and up to 10 years fixation (new business)4.23-0.013.492026-09-30ECB MFI interest rate statistics
SpainHouse purchase loans, over 10 years fixation (new business)2.71-0.052.492026-09-30ECB MFI interest rate statistics
FranceCost of borrowing for house purchase (all fixation periods, new business)3.19-0.012.992026-09-30ECB MFI interest rate statistics
FranceHouse purchase loans, floating rate or up to 1 year fixation (new business)3.83-0.013.632026-09-30ECB MFI interest rate statistics
FranceHouse purchase loans, over 1 and up to 5 years fixation (new business)3.45+0.023.252026-09-30ECB MFI interest rate statistics
FranceHouse purchase loans, over 5 and up to 10 years fixation (new business)2.36+0.002.32026-09-30ECB MFI interest rate statistics
FranceHouse purchase loans, over 10 years fixation (new business)3.19-0.022.992026-09-30ECB MFI interest rate statistics
ItalyCost of borrowing for house purchase (all fixation periods, new business)3.61+0.033.282026-09-30ECB MFI interest rate statistics
ItalyHouse purchase loans, floating rate or up to 1 year fixation (new business)3.29-0.083.12026-09-30ECB MFI interest rate statistics
ItalyHouse purchase loans, over 1 and up to 5 years fixation (new business)3.75-0.053.112026-09-30ECB MFI interest rate statistics
ItalyHouse purchase loans, over 5 and up to 10 years fixation (new business)3.91+0.113.572026-09-30ECB MFI interest rate statistics
ItalyHouse purchase loans, over 10 years fixation (new business)3.65+0.053.312026-09-30ECB MFI interest rate statistics
NetherlandsCost of borrowing for house purchase (all fixation periods, new business)3.87-0.043.482026-09-30ECB MFI interest rate statistics
NetherlandsHouse purchase loans, floating rate or up to 1 year fixation (new business)4.36+0.063.952026-09-30ECB MFI interest rate statistics
NetherlandsHouse purchase loans, over 1 and up to 5 years fixation (new business)4.2+0.023.72026-09-30ECB MFI interest rate statistics
NetherlandsHouse purchase loans, over 5 and up to 10 years fixation (new business)3.87-0.063.512026-09-30ECB MFI interest rate statistics
NetherlandsHouse purchase loans, over 10 years fixation (new business)3.28-0.102.92026-09-30ECB MFI interest rate statistics

Live data, refreshed every 30 minutes.

Need this in bulk or inside your app?

The same data as an API: JSON, lists of hundreds of items, history and "only new" monitoring. Pay per use, free trial on the markets.

x402 for AI agents →
Example API request
curl -X POST https://radarbg.com/x402/mortgage-rates-api \
  -H "Content-Type: application/json" \
  -d '{"mode": "latest", "country": ["US", "GB", "CA", "DE", "FR", "IT", "ES", "NL"], "limit": 60}'
# answers 402 with the price; any x402 client pays per call in USDC on Base

Questions

Where do these rates come from?

Freddie Mac PMMS (US), Bank of England, Bank of Canada and the ECB MFI interest rate statistics.

How often are they updated?

US weekly (Thursday), UK, Canada and euro area monthly, as the publishers release them.

Can I get history?

Yes, the API has history back to 1971 for the US 30-year rate and compare modes.

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