Swedish one-year mortgages: median up to 3.10% in September 2026
The banks' one-year median was 2.84% in September 2025. A year later it stood at 3.10%. JAK Medlemsbank was lowest at 2.60%.
News
Short news about mortgage rates, the Riksbank and the housing market.
Leak in a Swedish co-op flat: who pays for a SEK 60,000 floor?
If the association's main pipe leaks, it pays for the SEK 60,000 floor. Your home insurance pays for the SEK 15,000 sofa, minus the excess.
Electricity and fuel lift Sweden's inflation to 1.5% in September 2026
CPIF inflation rose from 0.7% in August 2026. Electricity rose 11.7% and fuel 13.3% in one month. The Riksbank's next rate decision is on 4 November 2026.
Swedish mortgage rate up 2 points? Can you pay SEK 3,500 more a month
On a SEK 3,000,000 loan that is SEK 60,000 more a year before tax relief. Borrow alone and the rise costs about SEK 45,700 after relief, not SEK 42,000.
Swedish house prices down 0.4% in September 2026, co-op flats up 1.6%
On a SEK 4,000,000 house the drop equals about SEK 16,000. It is the first fall for houses since January 2026, says Svensk Mäklarstatistik.
Fixing a Swedish mortgage for 3 years? Variable must rise 0.49 points
SEB's August 2026 averages: 2.67% variable, 3.16% fixed for three years. On the Riksbank forecast, fixing saves only about SEK 1,800 a year.
Sweden's policy rate is flat at 1.75%: why fixed mortgages cost more
Banks fund fixed mortgages with bonds. The yield on two-year mortgage bonds rose from 2.42% on 1 July 2026 to 3.13% on 18 September 2026.
Sweden's Riksbank: policy rate from 1.75% to 2.4% by autumn 2027
Hikes should start in 2026. If banks follow, a variable SEK 3,000,000 loan may cost about SEK 19,000 more a year, SEK 13,000 after tax relief.
Buying off-plan in Sweden? A price drop can add SEK 270,000 upfront
If the flat's value falls from SEK 3.2 million to SEK 2.9 million before moving day, your down payment grows from SEK 320,000 to SEK 590,000.
Swedish banks raise fixed mortgage rates: Swedbank's two-year at 3.89%
The rise is 0.25 points and can add SEK 7,500 a year to a SEK 3,000,000 loan. Variable rates stay put. Five other banks raised fixed rates first.
Rejected by a Swedish housing association? You have 1 month to appeal
A refusal voids the sale and you get your deposit back. Within 1 month you can go to the rent tribunal. A bylaw demanding a set income has no effect.
No Swedish bank under 3% on three-year mortgages in August 2026
Skurups Sparbank had the lowest three-year average in August 2026 at 3.03%, down from 3.05%. Skandia stayed lowest on variable rates at 2.58%.