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.
August 23, 2025
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. Inflation in Europe is stabilising around the target level of 2%. The ECB has lowered the deposit rate for the eighth time by 25 basis points to 2%, but paused in July. The ECB is expected to implement another 0.25% rate cut at the end of the year to boost the economy.
- 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 drop slightly if demand for these bonds increases, as investors now expect to receive lower interest rates in the future. In line with this, rates for long-term fixed-rate mortgages will remain fairly stable.