Swedbank tops Sweden's three-year mortgages at 3.05% in April 2026
At 3.05%, Swedbank passed Sparbanken Mälardalen on three-year fixes in April 2026. The banks' median rose for every rate period from March 2026.
Swedbank had April 2026's lowest three-year average mortgage rate ("snittränta") at 3.05%. It took first place from Sparbanken Mälardalen, whose March 2026 average was 2.85%.
Across all rate periods ("bindningstid"), the median bank rate was higher than in March 2026. The median excludes savings banks ("sparbanker") and margin lenders ("marginallångivare"). Swedbank's and the other banks' current rates are on the mortgage rates page.
Variable rate, 3 months
Skandia was lowest at 2.64%. After a fall of 0.31 percentage points from March 2026, Ålandsbanken's average variable rate was 2.71%. Ålandsbanken, Avanza and Landshypotek Bank tied for second. Landshypotek Bank's average rose 0.02 percentage points from the month before.
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Skandia |
2.64% |
| 2 |  Avanza |
2.71% |
| 2 |  Landshypotek Bank |
2.71% |
| 2 |  Ålandsbanken |
2.71% |
Fixed rate, 1 year
The lowest one-year average was JAK Medlemsbank's 2.49%, an increase of 0.01 percentage points from March 2026. In second place, Danske Bank reported 2.80% after an increase of 0.18 percentage points.
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  JAK Medlemsbank |
2.49% |
| 2 |  Danske Bank |
2.80% |
| 3 |  Sparbanken Alingsås |
2.82% |
Fixed rate, 3 years
Sparbanken Eken's 3.08% was second lowest. Its March 2026 average was 3.01%. Skandia was third with a three-year average of 3.11%, after a rise of 0.19 percentage points.
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Swedbank |
3.05% |
| 2 | Sparbanken Eken |
3.08% |
| 3 | Skandia |
3.11% |
Highest average rates
At Ikano Bank, the one-year average increased by 0.50 percentage points from March 2026. Its 3.42% was the highest for that period. Länsförsäkringar had the highest three-year average at 3.60%, and Ekobanken the highest variable average at 3.39%.
Variable rate, 3 months
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Ekobanken |
3.39% |
| 2 | JAK Medlemsbank |
3.26% |
| 3 |  Lån & Spar Bank |
3.03% |
Fixed rate, 1 year
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Ikano Bank |
3.42% |
| 2 |  ICA Banken |
3.39% |
| 3 |  Nordea |
3.35% |
Fixed rate, 3 years
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Länsförsäkringar |
3.60% |
| 2 |  SBAB |
3.55% |
| 3 | Nordea |
3.54% |
Margin lenders
For three-month mortgages, Nordax Bank averaged 4.63%, Marginalen Bank 5.31% and 60plusbanken 6.13%. The averages for Svea Bank, Northmill Bank and Bluestep Bank were 6.27%, 6.71% and 6.42%, respectively.
Bluestep Bank also reported 6.26% for one year, 6.16% for three years and 6.37% for five years. Margin lenders set each customer's rate after a credit assessment, so their averages are not comparable with banks' averages and are not ranked.
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.