It is important to understand that inflation adds up to increasing interest rates, and there is nothing scary there.

Increasing interest rates reflect a growing economy and can be seen as a sign of stability and progress. Lenders adjust their rates to maintain a healthy balance, ensuring their profits while offering competitive options to borrowers.


The European Central Bank (ECB) wields an extraordinary influence over mortgage interest rates. The ECB's ability to adjust interest rates, both in the short and extended term, holds the key to shaping mortgage rates at the national level. At the moment, there are no plans to increase interest rates at the EU level.

EU policy

When the demand for mortgages is robust, lenders have the ability to shape interest rates in response. This is an indicator of a thriving market and an influx of eager homebuyers. This proactive approach ensures a sustainable lending environment while still offering opportunities for borrowers.

Market demand

In times of economic growth, interest rates generally trend upward. A rise in mortgage interest rates signals renewed buyer confidence, accompanied by increasing income and a strong labour market, which can foster inflation over the long term. Moreover, higher mortgage rates suggest that investors are more at ease shifting their funds away from the haven of bonds and toward more risky investments like stocks.

Healthy economy

Lower interest rates do not always mean the best borrowing conditions. Different variables can impact your mortgage amount, not only the interest rate. Focusing only on your mortgage rate shifts your attention away from the loan's actual cost, which can be costly.

Borrowing conditions

International events such as political instability or a major economic crisis in another country can also affect interest rates.

Global events

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Meet the team
Sezer Yilmaz
Founder & Financial Specialist
Egle Kemezyte
Growth Marketer
Robin Uijtdehaage
Client Director & Financial Specialist
Özkan Karakol
Financial Specialist