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%.
The banks' median one-year average mortgage rate ("snittränta") was 3.10% in September 2026, against 2.84% in September 2025. It rose 0.09 percentage points from August 2026. The median excludes savings banks ("sparbanker") and margin lenders ("marginallångivare"). You can compare the banks' current one-year rates on the Bolån Radar rates page.
Variable rate, 3 months
With three-month averages of 2.59%, Avanza and Landshypotek Bank were 0.02 percentage points below their August 2026 rates. They tied for second. The bank median rose 0.01 percentage points to 2.73%.
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Skandia |
2.58% |
| 2 |  Avanza |
2.59% |
| 2 |  Landshypotek Bank |
2.59% |
Fixed rate, 1 year
JAK Medlemsbank had the lowest one-year average at 2.60%. Avanza, Nordnet and Stabelo tied for second at 2.99%, unchanged from August 2026.
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  JAK Medlemsbank |
2.60% |
| 2 | Avanza |
2.99% |
| 2 |  Nordnet |
2.99% |
| 2 |  Stabelo |
2.99% |
Fixed rate, 3 years
Sparbanken Skåne had the lowest three-year average at 3.23%, up 0.02 percentage points from August 2026. Sparbanken Tranemo's average fell 0.35 percentage points to 3.24%. It shared second place with Danske Bank and Södra Hestra Sparbank.
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Sparbanken Skåne |
3.23% |
| 2 |  Danske Bank |
3.24% |
| 2 | Sparbanken Tranemo |
3.24% |
| 2 | Södra Hestra Sparbank |
3.24% |
Highest average rates
Nordea was highest for one-year mortgages at 3.38%. Its average was 0.13 percentage points above its August 2026 average. Ikano Bank had the highest three-year average at 3.95%, and JAK Medlemsbank the highest variable average at 3.27%.
Variable rate, 3 months
| Rank | Bank | Average rate |
|---|---|---|
| 1 | JAK Medlemsbank |
3.27% |
| 2 |  Sparbanken Syd |
3.02% |
| 3 |  Ikano Bank |
2.91% |
Fixed rate, 1 year
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Nordea |
3.38% |
| 2 |  ICA Banken |
3.35% |
| 3 |  Hypoteket |
3.31% |
Fixed rate, 3 years
| Rank | Bank | Average rate |
|---|---|---|
| 1 | Ikano Bank |
3.95% |
| 2 |  Länsförsäkringar |
3.71% |
| 3 | Nordea |
3.67% |
Margin lenders
For three-month mortgages, the averages at Nordax Bank, Marginalen Bank and Bluestep Bank were 4.93%, 5.14% and 5.79%, respectively. Northmill Bank reported 6.37%, while Svea Bank had 5.86% and 60plusbanken 5.98%.
Bluestep Bank also reported one-year, three-year and five-year averages of 6.84%, 6.08% and 6.20%, respectively. Margin lenders set each customer's rate after a credit assessment, so their averages are not comparable with bank averages and are not ranked.
Not yet published
When we collected the data on 19 October 2026, Ekobanken and Lån & Spar Bank had not yet published their average rates for September 2026. Neither had 1 of 55 savings banks. Under the Swedish Financial Supervisory Authority's regulations (FFFS 2015:1), banks must publish the average rate no later than five working days after the end of each month.
The average rate is the figure each bank reports for its mortgages with a given fixed-rate period during the month. It does not show the rate you would get, which depends on factors such as your loan-to-value ratio and income. Bolån Radar collects the figures from the banks' websites and cannot guarantee that they are complete or correct. This article is not advice on loans or fixed-rate periods.