Overview
- In March 2026 the number of mortgages on dwellings rose 9% year‑on‑year to 46,661, the strongest March total since 2010 and the 21st consecutive month of annual growth.
- Average initial mortgage rates remained low at 2.84%, marking 14 months below 3%, and fixed‑rate products accounted for 63.8% of new loans.
- Average dwelling loan sizes increased 10.1% year‑on‑year to €174,132 and total capital lent for home mortgages jumped about 20% to more than €8.125 billion.
- Operations that changed existing mortgage terms fell sharply to 10,549 in March, down 28.3% year‑on‑year, with 82.2% of those changes tied to interest‑rate adjustments.
- The market shows a two‑speed geography as big cities and coastal areas record falling sales while many interior regions post rising mortgage activity and price gains.