Skandia
About Skandia
Skandia is a customer-owned financial services company (owned by its 1.4 million customers) combining banking and pension services, pioneering digital banking since 1994 with negotiation-free ("förhandlingsfria") transparent mortgage rates where your rate is automatically determined by loan size, property value, and pension relationship—without any negotiation required or possible.
Average rate over time
Average rate per month for each binding period.
Skandia
2016-012026-10
2016-012026-10
Current rates
| Binding period | List rate | Average rate |
|---|---|---|
| 3 mo | 3.55%Valid from May 28, 2026 | 2.58%For September 2026 |
| 1 year | 4.27%Valid from Sep 16, 2026 | 3.10%For September 2026 |
| 2 years | 4.62%Valid from Sep 30, 2026 | 3.29%For September 2026 |
| 3 years | 4.74%Valid from Sep 30, 2026 | 3.48%For September 2026 |
| 5 years | 4.88%Valid from Sep 30, 2026 | 3.52%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 employmentYes
BRF must be genuine associationYes
Minimum loan amount25 000 SEK
Discounts
Green Mortgage: Energy Class A
Discount for properties with energy class A rating.
More informationGreen Mortgage: Energy Class B
Discount for properties with energy class B rating.
More informationLoan-to-Value Ratio
Discount for lower loan-to-value ratios.
Occupational Pension At Bank
Discount for customers with occupational pension at this bank.
More information