Hypoteket
About Hypoteket
Hypoteket is Sweden's first independent digital-only mortgage provider (founded 2018), funded by institutional investors and pension funds rather than traditional bank deposits, offering pre-negotiated fixed rates with no negotiation needed or possible and a fully online process.
Average rate over time
Average rate per month for each binding period.
Hypoteket
2016-012026-10
2016-012026-10
Current rates
| Binding period | List rate | Average rate |
|---|---|---|
| 3 mo | 3.41%Valid from Jun 13, 2026 | 2.85%For September 2026 |
| 1 year | 4.09%Valid from Sep 16, 2026 | 3.31%For September 2026 |
| 2 years | 4.40%Valid from Oct 10, 2026 | 3.42%For September 2026 |
| 3 years | 4.49%Valid from Oct 10, 2026 | 3.26%For September 2026 |
| 5 years | 4.58%Valid from Oct 10, 2026 | 3.67%For September 2026 |
Last checked: Oct 25, 2026, 6:35 AM
The bank's mortgage page, the source of these ratesLoan requirements
Accepts credit remarksNo
Accepts non-permanent employmentNo
BRF must be genuine associationYes
Maximum loan-to-value ratio65%
Maximum debt-to-income ratio6x
Discounts
Loan-to-Value Ratio
Discount for lower loan-to-value ratios.