Mortgages in 2026: what to know before you apply

Mortgage rates in North Macedonia range between 4.9% and 6.3% APR in Q1 2026. Halkbank and Komercijalna have the most competitive offers for first-home buyers, while NLB and Sparkasse offer more flexible terms for foreign-sourced income. Down payments under 20% no longer attract an extra premium — banks updated their policy in 2025. The realty.mk calculator puts all six banks side by side, and a broker matches you within 24 hours.