The European residential mortgage markets are characterised by a high degree of heterogeneity and cannot be called an integrated market. Within the project, the characteristics of the different national markets and the economic barriers towards an integrated market are analysed. The markets do not differ by their size and macroeconomic environment but also by the available product range and typical refinancing vehicles. The national mortgage products are compared by adjusted prices based on interest rates. National experts are interviewed to get a deeper insight into the market characteristics.