Overview

• The benchmark rose 0.058 percentage points from August’s 2.114%, its highest monthly average since March.
• Despite the monthly increase, it remains 0.764 points below September 2024’s 2.936% level, keeping year‑on‑year mortgage bills lower.
• A €150,000 variable mortgage over 30 years at Euribor+0.99% would drop by about €64 per month, or roughly €770 per year, on an annual review.
• Semiannual revisions yield smaller changes, with typical monthly reductions around €19 for an average loan, according to Kelisto.
• Analysts note banks usually step up mortgage offers in the fourth quarter, and some expect the index could dip below 2% by early 2026 if ECB easing resumes.