Global Mortgage Rate heatmap — 2026
Hover to peek, click to dive in. The world's wallet, mapped.
Low 1.4%High 24.0%
Ranked by Mortgage Rate
- 1.Japan1.4%Culture & artsFood sceneCity life
- 2.Taiwan2.2%Food sceneFast internetNature & outdoors
- 3.Switzerland2.3%Mountain livingStrong economyStrong purchasing power
- 4.Bulgaria3.0%Ultra low costTax efficientBeach lifestyle
- 5.Croatia3.6%Beach lifestyleEasy visaNature & outdoors
- 6.Malta3.6%Beach lifestyleEnglish widely spokenEasy visa
- 7.Spain3.6%Beach lifestyleStrong nomad communityEasy visa
- 8.Belgium3.7%Culture & artsEnglish widely spokenWell connected
- 9.Germany3.9%Strong economyCity lifeWell connected
- 10.Slovenia3.9%Mountain livingNature & outdoorsFamily friendly
- 11.China4.0%City lifeFood sceneUltra low cost
- 12.Finland4.0%Nature & outdoorsEnglish widely spokenFast internet
- 13.Italy4.0%Culture & artsFood sceneSlow living
- 14.Luxembourg4.0%Strong economyStrong purchasing powerWell connected
- 15.Portugal4.0%Strong nomad communityEasy visaBeach lifestyle
- 16.Singapore4.0%City lifeFast internetStrong economy
- 17.Austria4.1%Mountain livingCulture & artsFamily friendly
- 18.France4.1%Culture & artsFood sceneCity life
- 19.Denmark4.2%Family friendlyEnglish widely spokenFast internet
- 20.Greece4.2%Beach lifestyleEasy visaSlow living
- 21.Netherlands4.2%City lifeEnglish widely spokenFast internet
- 22.Ireland4.3%Culture & artsEnglish widely spokenStrong nomad community
- 23.Malaysia4.3%Food sceneUltra low costEnglish widely spoken
- 24.Albania4.5%Ultra low costBeach lifestyleEasy visa
- 25.Cyprus4.5%Beach lifestyleTax efficientEnglish widely spoken
- 26.Morocco4.5%Culture & artsBeach lifestyleFood scene
- 27.Slovakia4.5%Mountain livingUltra low costNature & outdoors
- 28.South Korea4.5%City lifeFood sceneFast internet
- 29.United Arab Emirates4.5%Tax efficientCity lifeWell connected
- 30.Sweden4.6%Nature & outdoorsEnglish widely spokenFamily friendly
- 31.Hong Kong4.7%City lifeFood sceneWell connected
- 32.Kuwait5.0%Tax efficientCity lifeEnglish widely spoken
- 33.North Macedonia5.0%Ultra low costMountain livingSlow living
- 34.United Kingdom5.2%Culture & artsCity lifeEnglish widely spoken
- 35.Czech Republic5.4%Culture & artsCity lifeNightlife
- 36.Montenegro5.4%
- 37.Bahrain5.5%Tax efficientBeach lifestyleEasy visa
- 38.Bermuda5.5%
- 39.Bosnia and Herzegovina5.5%Ultra low costNature & outdoorsMountain living
- 40.Brunei5.5%
- 41.Chile5.5%Mountain livingNature & outdoorsCity life
- 42.Estonia5.5%Fast internetEasy visaEnglish widely spoken
- 43.Israel5.5%City lifeCulture & artsEnglish widely spoken
- 44.Lithuania5.5%Fast internetUltra low costEnglish widely spoken
- 45.Oman5.5%Beach lifestyleNature & outdoorsSlow living
- 46.Qatar5.5%Tax efficientCity lifeWell connected
- 47.Latvia5.6%Ultra low costCulture & artsEnglish widely spoken
- 48.Norway5.6%Nature & outdoorsMountain livingEnglish widely spoken
- 49.Canada5.8%Nature & outdoorsEnglish widely spokenFamily friendly
- 50.Kosovo5.8%
- 51.Trinidad and Tobago6.0%Beach lifestyleEnglish widely spokenCulture & arts
- 52.Australia6.2%Beach lifestyleNature & outdoorsEnglish widely spoken
- 53.Thailand6.3%Beach lifestyleStrong nomad communityFood scene
- 54.Cayman Islands6.5%
- 55.Mauritius6.5%
- 56.Panama6.5%Beach lifestyleTax efficientEnglish widely spoken
- 57.Saudi Arabia6.5%Tax efficientCity lifeCulture & arts
- 58.Serbia6.5%Ultra low costNightlifeStrong nomad community
- 59.Uruguay6.5%Beach lifestyleSlow livingEnglish widely spoken
- 60.New Zealand6.8%Nature & outdoorsEnglish widely spokenSlow living
- 61.Algeria7.0%Ultra low costBeach lifestyleCulture & arts
- 62.Bolivia7.0%Mountain livingUltra low costNature & outdoors
- 63.Libya7.0%
- 64.United States7.1%City lifeStrong economyWell connected
- 65.Hungary7.4%Culture & artsNightlifeUltra low cost
- 66.Barbados7.5%
- 67.Cabo Verde7.5%
- 68.El Salvador7.5%
- 69.Fiji7.5%Beach lifestyleEnglish widely spokenSlow living
- 70.Philippines7.5%Beach lifestyleEnglish widely spokenUltra low cost
- 71.Poland7.6%Culture & artsUltra low costCity life
- 72.Romania7.8%Ultra low costFast internetMountain living
- 73.Guatemala8.0%Culture & artsUltra low costMountain living
- 74.Seychelles8.0%
- 75.Cambodia8.5%Ultra low costEasy visaBeach lifestyle
- 76.Comoros8.5%
- 77.Costa Rica8.5%Nature & outdoorsBeach lifestyleEnglish widely spoken
- 78.Tonga8.5%
- 79.India8.7%Ultra low costCulture & artsFood scene
- 80.Indonesia8.8%Beach lifestyleStrong nomad communityUltra low cost
- 81.Botswana9.0%
- 82.Côte d'Ivoire9.0%Food sceneUltra low costBeach lifestyle
- 83.Djibouti9.0%
- 84.Iceland9.0%Nature & outdoorsMountain livingEnglish widely spoken
- 85.Jordan9.0%Culture & artsUltra low costNature & outdoors
- 86.Maldives9.0%
- 87.Samoa9.0%
- 88.Turkmenistan9.0%
- 89.Vanuatu9.0%Beach lifestyleSlow livingNature & outdoors
- 90.Burkina Faso9.5%
- 91.Jamaica9.5%Beach lifestyleEnglish widely spokenCulture & arts
- 92.Moldova9.5%Ultra low costSlow livingCulture & arts
- 93.Papua New Guinea9.5%
- 94.Paraguay9.5%Ultra low costSlow livingNature & outdoors
- 95.Peru9.5%Culture & artsMountain livingFood scene
- 96.Senegal9.5%Culture & artsBeach lifestyleUltra low cost
- 97.Tunisia9.5%Beach lifestyleUltra low costCulture & arts
- 98.Cameroon10.0%
- 99.Ecuador10.0%Nature & outdoorsMountain livingUltra low cost
- 100.Eritrea10.0%
- 101.Gabon10.0%
- 102.Mali10.0%
- 103.São Tomé and Príncipe10.0%
- 104.Bhutan10.5%
- 105.Guinea-Bissau10.5%
- 106.Niger10.5%
- 107.Vietnam10.5%Ultra low costFood sceneBeach lifestyle
- 108.Bangladesh11.0%Ultra low costCity lifeFood scene
- 109.Brazil11.0%Beach lifestyleNightlifeCulture & arts
- 110.Chad11.0%
- 111.Dominican Republic11.0%Beach lifestyleUltra low costEasy visa
- 112.Equatorial Guinea11.0%
- 113.Laos11.0%
- 114.Namibia11.0%
- 115.Nepal11.0%Mountain livingUltra low costNature & outdoors
- 116.Nicaragua11.0%
- 117.Republic of the Congo11.0%
- 118.Mexico11.2%Beach lifestyleFood sceneStrong nomad community
- 119.Armenia11.5%
- 120.Belarus11.5%Ultra low costSlow livingCity life
- 121.Georgia11.5%Easy visaUltra low costMountain living
- 122.South Africa11.5%Nature & outdoorsEnglish widely spokenBeach lifestyle
- 123.Azerbaijan12.0%
- 124.Central African Republic12.0%
- 125.Lebanon12.0%Food sceneCulture & artsNightlife
- 126.Gambia12.5%
- 127.Honduras12.5%
- 128.Guinea13.0%
- 129.Myanmar13.0%Ultra low costCulture & artsSlow living
- 130.Sri Lanka13.0%Beach lifestyleUltra low costNature & outdoors
- 131.Timor-Leste13.0%
- 132.Liberia13.5%
- 133.Ethiopia14.0%Culture & artsUltra low costMountain living
- 134.Kyrgyzstan14.0%
- 135.Somalia14.0%
- 136.Colombia14.5%Strong nomad communityUltra low costNightlife
- 137.Kenya14.5%Nature & outdoorsEnglish widely spokenUltra low cost
- 138.Mongolia14.5%Nature & outdoorsUltra low costSlow living
- 139.Mongolia14.5%Nature & outdoorsUltra low costSlow living
- 140.Madagascar15.0%
- 141.Rwanda16.0%Nature & outdoorsEnglish widely spokenSlow living
- 142.Tanzania16.0%Nature & outdoorsBeach lifestyleEnglish widely spoken
- 143.Kazakhstan17.0%Ultra low costMountain livingCity life
- 144.Tajikistan17.0%
- 145.DR Congo18.0%
- 146.Sierra Leone18.0%
- 147.Uganda18.0%Nature & outdoorsEnglish widely spokenUltra low cost
- 148.Ukraine18.0%Ultra low costCulture & artsFast internet
- 149.Mozambique21.0%
- 150.Angola22.0%Beach lifestyleCulture & artsUltra low cost
- 151.Pakistan22.0%Ultra low costMountain livingCulture & arts
- 152.Uzbekistan22.0%Ultra low costCulture & artsSlow living
- 153.Zambia24.0%
- 154.Egypt25.0%Culture & artsUltra low costBeach lifestyle
- 155.Sudan25.0%
- 156.Nigeria27.0%Ultra low costNightlifeCity life
- 157.Ghana30.0%Ultra low costEnglish widely spokenCulture & arts
- 158.Venezuela30.0%Ultra low costBeach lifestyleNature & outdoors
- 159.Zimbabwe40.0%
- 160.Turkey50.0%Food sceneCulture & artsBeach lifestyle
- 161.Argentina90.0%Culture & artsFood sceneNightlife