Interest Rates

Current central bank policy rates, typical mortgage rates, and commercial lending rates for major economies.

Policy rates last updated: …

Your Country

Select your country to see how its rates compare globally.

Central Bank Rate

4.50%

Federal Reserve

Commercial Lending Rate

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Typical Mortgage Rate

6.00% – 7.00%

30-year typical term

Commercial Lending Rates

Annual commercial lending rates from the World Bank. These are the rates banks charge businesses and consumers, distinct from the central bank policy rate.

Country	Rate	Year	Source
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Data: data.worldbank.org

Lending Rate Comparison

Compare how lending rates have evolved across countries since 2010.

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Central Bank Policy Rates

Current key policy rates set by central banks, sourced live from the Bank for International Settlements (BIS). These rates influence borrowing costs across each economy.

United States

Federal Reserve

You

4.25% – 4.50%

Federal funds target (upper bound)

As of Oct 29, 2025Source

Eurozone

European Central Bank

2.00%

Deposit facility rate

As of Oct 30, 2025Source

United Kingdom

Bank of England

4.00%

Bank Rate

As of Nov 6, 2025Source

Canada

Bank of Canada

2.50%

Overnight rate target

As of Oct 29, 2025Source

Australia

Reserve Bank of Australia

3.60%

Cash rate target

As of Nov 4, 2025Source

New Zealand

Reserve Bank of New Zealand

2.50%

Official cash rate

As of Nov 26, 2025Source

Japan

Bank of Japan

0.50%

Policy interest rate

As of Jan 24, 2025Source

Switzerland

Swiss National Bank

0.00%

SNB policy rate

As of Sep 25, 2025Source

Sweden

Sveriges Riksbank

1.75%

Policy rate

As of Oct 8, 2025Source

Norway

Norges Bank

4.00%

Policy rate

As of Nov 6, 2025Source

South Korea

Bank of Korea

2.50%

Base rate

As of Oct 23, 2025Source

India

Reserve Bank of India

5.50%

Policy repo rate

As of Oct 8, 2025Source

Brazil

Banco Central do Brasil

15.00%

Selic target rate

As of Oct 29, 2025Source

Mexico

Banco de México

7.50%

Overnight target rate

As of Nov 6, 2025Source

China

People's Bank of China

3.00%

1-year Loan Prime Rate

As of Nov 20, 2025Source

South Africa

South African Reserve Bank

7.00%

Repo rate

As of Nov 20, 2025Source

Typical Mortgage Rates

Representative mortgage rate ranges for well-qualified borrowers in major markets.

Ranges are indicative; your actual rate will depend on loan size, LTV, credit score, and lender.

Country	Term	Rate Range	Notes
AUAustralia	30yr	5.50% – 6.30%	Owner-occupier variable rate, principal & interest. 30-year fixed mortgages are uncommon.	Use this rate
CACanada	5yr	4.50% – 5.50%	5-year fixed, insured. The Canadian standard is 25-year amortization with 5-year term resets.	Use this rate
JPJapan	35yr	1.80% – 2.40%	Flat 35 fixed-rate. Variable rates start near 0.5–0.8% but reset frequently.	Use this rate
GBUnited Kingdom	5yr	4.00% – 5.00%	5-year fixed, 75% LTV. Most UK mortgages reset after 2–5 years; very few are fixed for the full term.	Use this rate
USUnited StatesYou	30yr	6.00% – 7.00%	Conforming 30-year fixed, conventional loan, 20% down, well-qualified borrower.	Use this rate

A note on these rates

Central bank policy rates and commercial lending rates are related but distinct. The policy rate is set by the central bank; the rate you pay for a mortgage is influenced by it, but also by market conditions, your credit profile, and your lender.

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