Lån & Spar Bank
About Lån & Spar Bank
Lån & Spar Bank is a Danish bank (founded 1880, majority trade union-owned) that recently entered the Swedish mortgage market through a co-ownership and distribution partnership with the mortgage platform Borgo — otherwise operating in Sweden since 2006 as a fully digital niche bank focused on personal loans, credit cards, and savings.
Average rate over time
Average rate per month for each binding period.
Lån & Spar Bank
2016-012026-10
2016-012026-10
Current rates
| Binding period | List rate | Average rate |
|---|---|---|
| 3 mo | 3.34%Valid from Apr 2, 2026 | 3.01%For July 2026 |
| 1 year | 3.74%Valid from Sep 18, 2026 | - |
| 2 years | 4.27%Valid from Sep 18, 2026 | - |
| 3 years | 4.52%Valid from Sep 18, 2026 | - |
| 4 years | 4.67%Valid from Sep 18, 2026 | - |
| 5 years | 4.87%Valid from Sep 18, 2026 | - |
| 7 years | 5.20%Valid from Sep 18, 2026 | - |
| 10 years | 5.42%Valid from Sep 18, 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
Minimum loan amount200 000 SEK
Maximum loan amount15 000 000 SEK
Minimum annual income180 000 SEK
Discounts
Loan-to-Value Ratio
Discount for lower loan-to-value ratios.