Are mortgage rates today good for refinancing in Germany?

They can be, especially if your current rate is 0.50% to 1.00% above new offers. Run the math: compare monthly savings against total fees to find your break-even months. Confirm prepayment penalties, subsidy rules, and whether your lender provides a float-down if rates fall before closing.

What is a competitive 30-year mortgage rate in 2026?

Recent trackers show a 30-year mortgage rate clustering around the low-6% range. For a German borrower, offers vary by credit, term length, down payment, and lender funding costs. Request multiple same-day quotes, compare effective rates, and include all fees to judge whether an offer is truly competitive.

How quickly can mortgage rates today change?

Quotes can shift several times a day when bond markets move. Lenders adjust pricing based on Bund yields, funding spreads, and capacity. If you like an offer, ask for a lock and confirm the lock length, extension fees, and whether you can benefit from a float-down if rates fall during processing.

Should I lock or float if I plan to buy this spring?

If the payment fits and the property aligns with your plan, a lock reduces risk. If you expect near-term easing and can handle payment volatility, a short float may work. Protect yourself with a defined walk-away rate, pre-approved documents, and a lender that offers clear lock and extension terms.

Global Market Insights

Mortgage Rates Today, February 18: Refi Window Widens Near 6%

ByDanny Kontos February 18, 2026February 18, 2026

Mortgage rates today are clustering near the low-6% range, widening the refinance window and improving spring affordability. Recent trackers show a 30-year mortgage rate around 5.85% to 6.28%, with some quotes near 6.09%. For German borrowers, even a 0.25% to 0.50% dip can lift purchasing power and speed decisions. We explain how refinance rates translate to monthly savings in euros, what lenders look at in Germany, and the key signals to watch for the housing market 2026.