Global Mortgage Rate heatmap — 2026
Hover to peek, click to dive in. The world's wallet, mapped.
Low 1.40%High 25.00%
Ranked by Mortgage Rate
- 1.Japan1.40%Culture & artsFood sceneCity life
- 2.Taiwan2.20%Food sceneFast internetNature & outdoors
- 3.Switzerland2.82%Mountain livingStrong economyStrong purchasing power
- 4.Israel2.96%City lifeCulture & artsEnglish widely spoken
- 5.United States3.25%City lifeStrong economyWell connected
- 6.Croatia3.60%Beach lifestyleEasy visaNature & outdoors
- 7.Malta3.60%Beach lifestyleEnglish widely spokenEasy visa
- 8.Spain3.60%Beach lifestyleStrong nomad communityEasy visa
- 9.Belgium3.70%Culture & artsEnglish widely spokenWell connected
- 10.Germany3.90%Strong economyCity lifeWell connected
- 11.Slovenia3.90%Mountain livingNature & outdoorsFamily friendly
- 12.Finland4.00%Nature & outdoorsEnglish widely spokenFast internet
- 13.Luxembourg4.00%Strong economyStrong purchasing powerWell connected
- 14.Portugal4.00%Strong nomad communityEasy visaBeach lifestyle
- 15.Austria4.10%Mountain livingCulture & artsFamily friendly
- 16.Bosnia and Herzegovina4.10%Ultra low costNature & outdoorsMountain living
- 17.France4.10%Culture & artsFood sceneCity life
- 18.Chile4.18%Mountain livingNature & outdoorsCity life
- 19.South Korea4.19%City lifeFood sceneFast internet
- 20.Denmark4.20%Family friendlyEnglish widely spokenFast internet
- 21.Greece4.20%Beach lifestyleEasy visaSlow living
- 22.Netherlands4.20%City lifeEnglish widely spokenFast internet
- 23.Bulgaria4.24%Ultra low costTax efficientBeach lifestyle
- 24.Ireland4.30%Culture & artsEnglish widely spokenStrong nomad community
- 25.China4.35%City lifeFood sceneUltra low cost
- 26.Cyprus4.50%Beach lifestyleTax efficientEnglish widely spoken
- 27.Morocco4.50%Culture & artsBeach lifestyleFood scene
- 28.Slovakia4.50%Mountain livingUltra low costNature & outdoors
- 29.United Arab Emirates4.50%Tax efficientCity lifeWell connected
- 30.Fiji4.56%Beach lifestyleEnglish widely spokenSlow living
- 31.Sweden4.60%Nature & outdoorsEnglish widely spokenFamily friendly
- 32.Czech Republic4.67%Culture & artsCity lifeNightlife
- 33.Qatar4.75%Tax efficientCity lifeWell connected
- 34.Malaysia4.82%Food sceneUltra low costEnglish widely spoken
- 35.Italy4.89%Culture & artsFood sceneSlow living
- 36.Thailand4.99%Beach lifestyleStrong nomad communityFood scene
- 37.Kuwait5.03%Tax efficientCity lifeEnglish widely spoken
- 38.Australia5.10%Beach lifestyleNature & outdoorsEnglish widely spoken
- 39.Hong Kong5.18%City lifeFood sceneWell connected
- 40.United Kingdom5.20%Culture & artsCity lifeEnglish widely spoken
- 41.Singapore5.25%City lifeFast internetStrong economy
- 42.North Macedonia5.42%Ultra low costMountain livingSlow living
- 43.Bahrain5.50%Tax efficientBeach lifestyleEasy visa
- 44.Bermuda5.50%
- 45.Brunei5.50%
- 46.Estonia5.50%Fast internetEasy visaEnglish widely spoken
- 47.Lithuania5.50%Fast internetUltra low costEnglish widely spoken
- 48.Oman5.50%Beach lifestyleNature & outdoorsSlow living
- 49.Latvia5.60%Ultra low costCulture & artsEnglish widely spoken
- 50.Canada5.80%Nature & outdoorsEnglish widely spokenFamily friendly
- 51.Norway5.88%Nature & outdoorsMountain livingEnglish widely spoken
- 52.Burkina Faso6.25%
- 53.Botswana6.26%
- 54.Montenegro6.32%
- 55.Albania6.44%Ultra low costBeach lifestyleEasy visa
- 56.Cayman Islands6.50%
- 57.Saudi Arabia6.50%Tax efficientCity lifeCulture & arts
- 58.Serbia6.50%Ultra low costNightlifeStrong nomad community
- 59.Kosovo6.65%
- 60.New Zealand6.80%Nature & outdoorsEnglish widely spokenSlow living
- 61.Costa Rica6.88%Nature & outdoorsBeach lifestyleEnglish widely spoken
- 62.Panama6.91%Beach lifestyleTax efficientEnglish widely spoken
- 63.Libya7.00%
- 64.Philippines7.10%Beach lifestyleEnglish widely spokenUltra low cost
- 65.El Salvador7.50%
- 66.Trinidad and Tobago7.50%Beach lifestyleEnglish widely spokenCulture & arts
- 67.Tonga7.56%
- 68.Poland7.60%Culture & artsUltra low costCity life
- 69.Cabo Verde7.75%
- 70.Algeria8.00%Ultra low costBeach lifestyleCulture & arts
- 71.Hungary8.01%Culture & artsNightlifeUltra low cost
- 72.Comoros8.03%
- 73.Barbados8.05%
- 74.Jordan8.10%Culture & artsUltra low costNature & outdoors
- 75.Papua New Guinea8.29%
- 76.Samoa8.39%
- 77.Vanuatu8.45%Beach lifestyleSlow livingNature & outdoors
- 78.Cambodia8.50%Ultra low costEasy visaBeach lifestyle
- 79.Indonesia8.50%Beach lifestyleStrong nomad communityUltra low cost
- 80.Romania8.52%Ultra low costFast internetMountain living
- 81.India8.57%Ultra low costCulture & artsFood scene
- 82.Bangladesh8.62%Ultra low costCity lifeFood scene
- 83.Pakistan8.67%Ultra low costMountain livingCulture & arts
- 84.Mexico8.79%Beach lifestyleFood sceneStrong nomad community
- 85.Moldova8.99%Ultra low costSlow livingCulture & arts
- 86.Côte d'Ivoire9.00%Food sceneUltra low costBeach lifestyle
- 87.Djibouti9.00%
- 88.Mauritius9.00%
- 89.Turkmenistan9.00%
- 90.Nicaragua9.16%
- 91.Vietnam9.32%Ultra low costFood sceneBeach lifestyle
- 92.Zambia9.48%
- 93.Senegal9.50%Culture & artsBeach lifestyleUltra low cost
- 94.Tunisia9.50%Beach lifestyleUltra low costCulture & arts
- 95.Seychelles9.85%
- 96.Cameroon10.00%
- 97.Ecuador10.00%Nature & outdoorsMountain livingUltra low cost
- 98.Eritrea10.00%
- 99.Gabon10.00%
- 100.Mali10.00%
- 101.Uruguay10.06%Beach lifestyleSlow livingEnglish widely spoken
- 102.Bolivia10.19%Mountain livingUltra low costNature & outdoors
- 103.Timor-Leste10.41%
- 104.Guinea-Bissau10.50%
- 105.Niger10.50%
- 106.Lebanon10.51%Food sceneCulture & artsNightlife
- 107.South Africa10.69%Nature & outdoorsEnglish widely spokenBeach lifestyle
- 108.Belarus10.95%Ultra low costSlow livingCity life
- 109.Namibia10.96%
- 110.Chad11.00%
- 111.Equatorial Guinea11.00%
- 112.Laos11.00%
- 113.Nepal11.00%Mountain livingUltra low costNature & outdoors
- 114.Republic of the Congo11.00%
- 115.Iceland11.01%Nature & outdoorsMountain livingEnglish widely spoken
- 116.Sri Lanka11.24%Beach lifestyleUltra low costNature & outdoors
- 117.Maldives11.63%
- 118.Bhutan11.76%
- 119.Central African Republic12.00%
- 120.Jamaica12.14%Beach lifestyleEnglish widely spokenCulture & arts
- 121.Paraguay12.51%Ultra low costSlow livingNature & outdoors
- 122.Peru12.60%Culture & artsMountain livingFood scene
- 123.Guatemala12.85%Culture & artsUltra low costMountain living
- 124.Liberia12.99%
- 125.Guinea13.00%
- 126.Armenia13.78%
- 127.Ethiopia14.00%Culture & artsUltra low costMountain living
- 128.Somalia14.00%
- 129.Colombia14.31%Strong nomad communityUltra low costNightlife
- 130.Myanmar14.83%Ultra low costCulture & artsSlow living
- 131.Dominican Republic15.25%Beach lifestyleUltra low costEasy visa
- 132.Azerbaijan15.34%
- 133.Georgia15.91%Easy visaUltra low costMountain living
- 134.Mongolia16.01%Nature & outdoorsUltra low costSlow living
- 135.Rwanda16.02%Nature & outdoorsEnglish widely spokenSlow living
- 136.Kenya16.59%Nature & outdoorsEnglish widely spokenUltra low cost
- 137.Tanzania16.68%Nature & outdoorsBeach lifestyleEnglish widely spoken
- 138.Kazakhstan17.00%Ultra low costMountain livingCity life
- 139.Mozambique17.53%
- 140.São Tomé and Príncipe17.74%
- 141.Nigeria18.45%Ultra low costNightlifeCity life
- 142.Honduras18.58%
- 143.Angola19.37%Beach lifestyleCulture & artsUltra low cost
- 144.Ukraine19.70%Ultra low costCulture & artsFast internet
- 145.Kyrgyzstan19.78%
- 146.Uganda19.85%Nature & outdoorsEnglish widely spokenUltra low cost
- 147.Sierra Leone21.44%
- 148.Gambia22.00%
- 149.Uzbekistan23.13%Ultra low costCulture & artsSlow living
- 150.Tajikistan23.55%
- 151.DR Congo24.11%
- 152.Egypt24.29%Culture & artsUltra low costBeach lifestyle
- 153.Sudan25.00%
- 154.Ghana30.00%Ultra low costEnglish widely spokenCulture & arts
- 155.Venezuela30.00%Ultra low costBeach lifestyleNature & outdoors
- 156.Brazil45.33%Beach lifestyleNightlifeCulture & arts
- 157.Argentina46.02%Culture & artsFood sceneNightlife
- 158.Zimbabwe46.36%
- 159.Turkey50.00%Food sceneCulture & artsBeach lifestyle
- 160.Madagascar60.00%