Interest rate barometer
Every day Immotheker Finotheker compares more than 2,000 mortgage loans. All possible types of loans, rates and conditions are included in the comparison. During an advice consultation you get access to all loan formulas at 16 banks in one go. So no more going back and forth.
January 1, 2026
Analysis
John Romain
Are you looking to buy a house or refinance your loan? Then it's useful to know how mortgage rates are likely to evolve. Our founder John Romain shares his insights every month.
- Short-term interest rate (variable mortgage interest rate from 1 to 5 years fixed interest rate): remains stable, but seems to have bottomed out. Inflation in Europe is stabilising around the target level of 2%. It is possible the European Central Bank (ECB) will implement a further 0.25% cut in its policy interest rate of 2% in 2026 in order to accelerate the economy (Europe is now facing 15% import tariffs in the USA + 14% decline in the dollar).
- Long-term interest rate (10 to 30-year fixed mortgage rates): remains stable. We expect the 10-year government bond interest rate to remain stable in Belgium or to rise slightly as in many EU countries, due to increasing debt (cf. Germany's decision to raise its debt ceiling, rising budget deficits, the agreement between European leaders in December to provide €90 billion through a joint loan to Ukraine meaning that the frozen Euroclear assets will not be used...). In line with this, rates for long-term fixed-rate mortgages will remain stable or rise slightly.