Quarterly Review
The Quarterly Review Data Hub shows data on mortgage and housing market developments on a more frequent, quarterly, and annual basis. This data set is based on a country sample covering around 95% of the total outstanding mortgage lending in the EU27 and the UK.
Files
European Mortgage Federation Quarterly Review - Q2 2025
This review looks at developments in the mortgage and housing markets in Q2 2025 and is based on a country sample including Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Greece, Spain, Finland, France, Hungary, Ireland, Italy, Lithuania, The Netherlands, Malta, Norway, Poland, Portugal, Romania, Slovenia, Sweden, and the United Kingdom. This sample covers around 95% of total mortgage lending in the EU27 and UK. Where data for Q2 2025 is not yet available, the review reports figures from the most recently available quarter.
European Mortgage Federation Quarterly Review – Q1 2025
This review looks at developments in the mortgage and housing markets in Q1 2025 and is based on a country sample including Belgium, Czechia, Germany, Denmark, Greece, Spain, Finland, France, Hungary, Ireland, Italy, The Netherlands, Poland, Portugal, Romania, Sweden, and the United Kingdom. This sample covers around 95% of total mortgage lending in the EU27 and UK. Where data for Q1 2025 is not yet available, the review reports figures from the most recently available quarter.
European Mortgage Federation Quarterly Review – Q4 2024
This review looks at developments in the mortgage and housing markets in Q4 2024 and is based on a country sample including Belgium, Czechia, Germany, Denmark, Greece, Spain, Finland, France, Hungary, Ireland, Italy, The Netherlands, Poland, Portugal, Romania, Sweden, and the United Kingdom. This sample covers around 95% of total mortgage lending in the EU27 and UK. Where data for Q4 2024 is not yet available, the review reports figures from the most recently available quarter.
European Mortgage Market Quarterly Review - Q3 2024
This review covers the mortgage and housing markets in Q3 2024 based on a country sample of Belgium, Czechia, Germany, Denmark, Greece, Spain, Finland, France, Hungary, Ireland, Italy, The Netherlands, Poland, Portugal, Romania, Sweden, and the United Kingdom, equal to 95% of total mortgage lending in the EU27 and UK. Where data is not yet available, it reports for the most recently available quarter. It ends with a look at the European Central Bank (ECB) Bank Lending Survey on the supply and demand for housing loans in the second quarter of 2024.
European Mortgage Market Quarterly Review - Q2 2024
The total residential mortgage stock of the EMF country sample increased slightly to EUR 8.23 tn by the end of the second quarter. This is a decrease of 0.74% y-o-y. Gross lending increased by 1.6% y-o-y in Q2 2024.
European Mortgage Market Quarterly Review - Q1 2024
The total residential mortgage stock of the EMF country sample increased slightly to EUR 8.34 tn by the end of the first quarter of 2024. This is an increase of 1.1% y-o-y, a rate of growth which has slowed over the course of 2023 and Q1 2024 from an initial 1.4% in Q1 2023.
European Mortgage Market Quarterly Review - Q4 2023
The total mortgage stock of the EMF country sample increased slightly to EUR 8.33 tn by the end of the fourth quarter. The quarterly increase remained at % y-o-y in Q4. Each quarter in 2023 the mortgage stock grew by under 2% y-o-y (1.5% Q1, 1.5% Q2, 1.4% Q3).
European Mortgage Market Quarterly Review - Q3 2023
Europe’s mortgage and housing markets have continued to moderate the general downward trend. Lending volumes had been falling significantly since Q3 2022, but have been steadily recovering since the second quarter of this year, indicating the arrival of the trough in the slowdown of mortgage lending.
European Mortgage Market Quarterly Review - Q2 2023
Europe’s mortgage and housing markets continued to cool down in the second quarter of 2023. The general downward trend, observed already since the third quarter of 2022, slowed down significantly in Q2 2023, and indicated the arrival of the trough in the slowdown of mortgage lending. While the quarterly decline of gross lending in Q4 2022 and Q1 2023 still amounted to 18.8% and 17.9% respectively, the decrease in Q2 2023 amounted to only 2.2%. Markets were still influenced by generally high inflation rates, which led to a further contraction in the construction sector, while demand for housing remained tight.
European Mortgage Market Quarterly Review - Q1 2023
The overall stagnation of economic activity in Europe and the omnipresent increase in consumer prices continued. According to publications by Eurostat, seasonally adjusted GDP increased by 0.1% in the EU27 while GDP decreased by 0.1% in the Euro area compared to the previous quarter. Compared to the previous year, adjusted GDP increased by 1.0% in the EU27 and in the Euro area, after a 1.7% increase in the EU27 and a 1.8% increase in the previous quarter. As in the previous quarter, households’ final consumption continued to decrease by 0.3% in the EU and Euro area as well as government expenditure by 0.9% in the EU27 and by 1.6% in the Euro area.