• Lån & Spar expects another ECB rate increase in December, following the central bank’s October 29 hold despite rising inflation.
• Long-term mortgage rates fell in October; 4% amortizing mortgage bonds gained about 1.5 price points, shifting issuance from 5% bonds.
• CITA 6 remained near 2.30% in October, leaving the F-kort reference rate broadly unchanged, excluding the surcharge.
• The ECB raised rates by 0.25 percentage points on September 10; markets price in one further increase in 2026.
• Partial ECB rate cuts are expected in 2027–28, with the outlook heavily dependent on resolution of the Middle East crisis.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Lån og Spar Bank A/S published the original content used to generate this news brief on November 02, 2026, and is solely responsible for the information contained therein.