Stabelo
About Stabelo
Stabelo is a digital-only mortgage specialist (not a traditional bank) that focuses exclusively on mortgages with negotiation-free ("förhandlingsfria") transparent rates, partnering with Avanza and Nordnet, requiring no other banking products like pension or savings to get their best rate.
Average rate over time
Average rate per month for each binding period.
Stabelo
2016-012026-10
2016-012026-10
Current rates
| Binding period | List rate | Average rate |
|---|---|---|
| 3 mo | 3.50%Valid from Oct 14, 2026 | 2.74%For September 2026 |
| 1 year | 3.44%Valid from Sep 22, 2026 | 2.99%For September 2026 |
| 2 years | 3.83%Valid from Oct 14, 2026 | 3.25%For September 2026 |
| 3 years | 3.94%Valid from Oct 14, 2026 | 3.37%For September 2026 |
| 5 years | 4.21%Valid from Oct 14, 2026 | 3.50%For September 2026 |
| 10 years | 4.41%Valid from Oct 14, 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
Maximum debt-to-income ratio6x
Minimum loan amount500 000 SEK
Maximum loan amount20 000 000 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.