Lithuania mortgage rates rise to 4.33% in September 2026
Lithuanian new mortgage rates rose to 4.33% in September 2026, up 0.17 points, while the housing loan book grew 14.4% over the year to EUR 16.7 billion.
The facts
- The Bank of Lithuania dated its monthly statistical release on monetary financial institutions 27 October 2026, putting the average interest rate on new housing loans at 4.33%, up 0.17 percentage points on the previous month.
- The housing loan portfolio grew 1.4% over the month, or EUR 229.5 million, and 14.4% over the year, reaching EUR 16.7 billion at the end of September 2026.
- Loans to non-financial corporations grew 0.9% over the month, or EUR 146.1 million, and 15.0% over the year, to EUR 16.0 billion, with the average rate on new corporate loans at 5.18%, up 0.16 percentage points.
- Household deposits rose 0.1% over the month, or EUR 41.7 million, and 15.2% over the year, to EUR 30.7 billion.
- Deposits of non-financial corporations fell 0.3% over the month, or EUR 36.6 million, while still 8.9% higher over the year at EUR 11.7 billion.
- Deposits of all Lithuanian residents fell 0.3% over the month, or EUR 139.8 million, and were 11.7% higher than a year earlier.
What it means for your money
- A new Lithuanian mortgage now averages 4.33%, up 0.17 points in a single month. Borrowing costs are moving against the buyer.
- Glopra's figures put Lithuania at $3,607 per square metre with rent at $12.19 per square metre a month, a gross yield of about 4.1%, which is below the 4.33% a new mortgage now costs.
- For anyone already holding Lithuanian property, the lending data says demand has not gone away: the housing loan book added EUR 229.5 million in the month and 14.4% over the year, so buyers are still being financed.
- Companies pay more than households, 5.18% against 4.33% on new loans, and corporate credit grew 15.0% over the year against 14.4% for housing, so the repricing is not specific to homes.
What to watch
- The size of the monthly move, 0.17 percentage points, is what the next release will be measured against.
- The savings and lending sides are diverging: household deposits were 15.2% higher over the year, yet total resident deposits fell EUR 139.8 million on the month.
- The release prints no next date, and it reports portfolio balances and rates rather than the volume of new lending, so the number of new loans cannot be read from it.
Sources: Bank of Lithuania https://www.lb.lt/uploads/documents/files/statistika/PFI_pranesimai_2026/Stat_pranesimas_PFI_2609_LT.pdf