Sparbanken Spira
About Sparbanken Spira
Sparbanken Spira is an independent savings bank formed in 2025 from the merger of Tjustbygdens Sparbank and Åtvidabergs Sparbank, with offices in Västervik, Åtvidaberg and Gamleby, emphasizing personal service, local community reinvestment, and individually tailored mortgage rates.
Average rate over time
Average rate per month for each binding period.
Sparbanken Spira
Current rates
| Binding period | List rate | Average rate |
|---|---|---|
| 3 mo | 3.89%Valid from May 29, 2026 | 2.96%For September 2026 |
| 1 year | 3.62%Valid from Sep 18, 2026 | 3.57%For September 2026 |
| 2 years | 3.89%Valid from Sep 18, 2026 | 3.85%For September 2026 |
| 3 years | 3.99%Valid from Sep 18, 2026 | 3.52%For September 2026 |
| 4 years | 4.09%Valid from Sep 18, 2026 | - |
| 5 years | 4.19%Valid from Sep 18, 2026 | 4.00%For September 2026 |
| 6 years | 4.34%Valid from Sep 18, 2026 | - |
| 7 years | 4.34%Valid from Sep 18, 2026 | - |
| 8 years | 4.34%Valid from Sep 18, 2026 | - |
| 9 years | 4.34%Valid from Sep 18, 2026 | - |
| 10 years | 4.39%Valid from Sep 18, 2026 | - |
The list rates are Swedbank's. Sparbanken Spira uses Swedbank's list rates.
Last checked: Oct 25, 2026, 6:42 AM
The bank's mortgage page, the source of these ratesLoan requirements
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 informationGreen Mortgage: Miljöbyggnad
Discount for properties with Miljöbyggnad Silver or Gold certification.
More informationGreen Mortgage: Nordic Swan
Discount for properties with Nordic Swan Ecolabel certification.
More informationGreen Mortgage: Passive House
Discount for properties certified according to the Passive House Institute.
More informationLoan-to-Value Ratio
Discount for lower loan-to-value ratios.