Sörmlands Sparbank cut Swedish three-year mortgages to 3.14%, May 2026
Sörmlands Sparbank's three-year average fell from 3.51% to 3.14% in May 2026. Only Swedbank's 3.09% was lower. Danske Bank was second on variable at 2.67%.
Sörmlands Sparbank cut its three-year average mortgage rate ("snittränta") by 0.37 percentage points to 3.14% in May 2026. Only Swedbank was lower, at 3.09%. For the banks' rates after May 2026, see Bolån Radar's current rates.
Variable rate, 3 months
Skandia was lowest at 2.64%. A fall of 0.05 percentage points brought Danske Bank's average variable rate to 2.67%, the second lowest. Avanza, Landshypotek Bank and SEB shared third place at 2.71%.
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Skandia |
2.64% |
| 2 |  Danske Bank |
2.67% |
| 3 |  Avanza |
2.71% |
| 3 |  Landshypotek Bank |
2.71% |
| 3 |  SEB |
2.71% |
Fixed rate, 1 year
The lowest one-year average remained at JAK Medlemsbank, despite a rise of 0.02 percentage points to 2.51%. In second place, Sparbanken Alingsås reported 2.84%, also up 0.02 percentage points from April 2026.
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  JAK Medlemsbank |
2.51% |
| 2 |  Sparbanken Alingsås |
2.84% |
| 3 | Danske Bank |
2.87% |
Fixed rate, 3 years
Swedbank kept first place at 3.09%, up 0.04 percentage points from April 2026. Sörmlands Sparbank was second, and Sparbanken Lidköping third at 3.16%.
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Swedbank |
3.09% |
| 2 | Sörmlands Sparbank |
3.14% |
| 3 | Sparbanken Lidköping |
3.16% |
Highest average rates
Ikano Bank had the highest three-year average at 3.86%. ICA Banken was highest for one-year mortgages at 3.28%. Ekobanken's 3.39% was the highest variable average.
Variable rate, 3 months
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Ekobanken |
3.39% |
| 2 | JAK Medlemsbank |
3.26% |
| 3 |  Lån & Spar Bank |
2.97% |
Fixed rate, 1 year
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  ICA Banken |
3.28% |
| 2 |  Ikano Bank |
3.26% |
| 2 |  SBAB |
3.26% |
Fixed rate, 3 years
| Rank | Bank | Average rate |
|---|---|---|
| 1 | Ikano Bank |
3.86% |
| 2 |  Sparbanken Syd |
3.71% |
| 3 | SBAB |
3.56% |
Margin lenders
Nordax Bank's three-month average was 4.68%, and Marginalen Bank reported 5.67%. For the same period, Bluestep Bank averaged 6.00% and Svea Bank 6.08%, while 60plusbanken reported 6.14% and Northmill Bank 6.71%.
For Bluestep Bank, the one-year average was 5.71%. The three-year and five-year averages were 6.66% and 6.08%, respectively. Credit assessments determine each customer's rate, so the averages of margin lenders ("marginallångivare") cannot be compared with bank 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.