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Monthly ranking October 2026

Ranking of mortgages in Germany - October 2026

3 offers · Sorted by: lowest APR first

Created 1 Oct 2026 · Updated 21 Oct 2026

In October 2026 we compared the best Mortgages available. APR ranged from 3.42% to 3.7%. Top offer: CE-Baufinanz with "Baufinanzierung" at 3.42% APR. This ranking covers offers available in Germany.

Offer ranking - October 2026

1
★ #1 Best offer
CE-Baufinanz
CE-Baufinanz

Baufinanzierung

Lowest APR in this comparison.

✓ Nominal rate from 3.33% p.a. ✓ Effective APR from 3.42% ✓ Initial repayment from 3.00%
3.42%
APR
Check offer at the bank
2
Top 3
DTW Immobilienfinanzierung
DTW Immobilienfinanzierung

Baufinanzierung

APR 0.26 pp higher than this comparison's leader.

✓ Nominal rate from 3.62% p.a. ✓ Effective APR from 3.68% ✓ 10-year fixed-rate example
3.68%
APR
Check offer at the bank
3
Top 3
PSD Bank Nürnberg
PSD Bank Nürnberg

Baufinanzierung

APR 0.28 pp higher than this comparison's leader.

✓ Nominal rate from 3.64% p.a. ✓ Effective APR from 3.70% ✓ Loan-to-value up to 50%
3.70%
APR
Check offer at the bank

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50,000 EUR 1,000,000 EUR
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Indicative calculation based on nominal rate of 3.33%. Actual costs depend on individual creditworthiness assessment.

How is this ranking created?

We checked 3 mortgages offers in Germany for you in w October 2026. Offers are selected using a composite score: interest rate (50%), product badge count (30%) and user popularity (20%). The order in the table follows the sorted value alone; ties are settled alphabetically. Partner commission does not affect selection or position.

APR is shown for each offer's representative example. Amounts and terms may differ, so a position in the ranking does not mean the cost is fully comparable - check the terms of the specific offer.

What to watch out for when choosing a mortgage

What to watch out for when choosing a mortgage

A mortgage rate is made up of the lender's margin plus a reference rate - two offers with the same margin can still cost differently if they use a different reference rate. Budget for bridging insurance (until the mortgage is registered), property insurance, and a valuation fee - these sit outside the monthly instalment and are easy to overlook when comparing offers.

Also check how many years the fixed margin is guaranteed for, and what happens to it afterwards - a commonly overlooked but important contract detail.

What documents do you need to apply?

Beyond ID and proof of income over a longer period (usually 3-12 months), you'll need documents for the property itself - a preliminary contract or notarial deed, a land registry extract, and for new builds, a building permit and cost estimate. The lender will also ask for proof of your down payment (typically a minimum of 10-20% of the property's value).

A mortgage is a long-term loan secured against property. Key factors are: bank margin, benchmark rate, required down payment and loan term. A 0.5% difference in rate over 30 years can mean tens of thousands in total cost.

FAQ

In w October 2026 CE-Baufinanz led the ranking with a rate of 3.42%. Remember to add the bank margin and the current benchmark rate to get the full picture.

In w October 2026 mortgage rates ranged from 3.42% to 3.7%. The final rate also depends on your down payment, loan term and creditworthiness.

Most banks require at least 20% down. A 10% down payment is possible with low-equity insurance, which raises costs. A higher down payment usually means a lower bank margin.