Only one Swedish bank under 3% on three-year mortgages in June 2026
Skurups Sparbank cut its three-year average by 0.24 percentage points to 2.95% in June 2026. Next were Sparbanken Skåne and Swedbank, both at 3.09%.
Skurups Sparbank was the only bank with a three-year average mortgage rate ("snittränta") under 3% in June 2026. Its average fell 0.24 percentage points to 2.95%. Whether more banks have gone below 3% since June 2026 shows in the comparison of current mortgage rates.
Variable rate, 3 months
Avanza and Landshypotek Bank were joint second at 2.61%. Both averages were 0.10 percentage points lower than in May 2026. The bank median was 2.74%, calculated without savings banks ("sparbanker") or margin lenders ("marginallångivare").
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Skandia |
2.59% |
| 2 |  Avanza |
2.61% |
| 2 |  Landshypotek Bank |
2.61% |
Fixed rate, 1 year
JAK Medlemsbank was still lowest for one-year mortgages, at 2.55% against 2.51% in May 2026. Länsförsäkringar was third at 2.84%, a fall of 0.07 percentage points from May.
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  JAK Medlemsbank |
2.55% |
| 2 |  Sparbanken Alingsås |
2.81% |
| 3 |  Länsförsäkringar |
2.84% |
Fixed rate, 3 years
Sparbanken Skåne and Swedbank shared second place at 3.09%. Swedbank's average was unchanged from May 2026.
| Rank | Bank | Average rate |
|---|---|---|
| 1 | Skurups Sparbank |
2.95% |
| 2 | Sparbanken Skåne |
3.09% |
| 2 |  Swedbank |
3.09% |
Highest average rates
For three-year mortgages, Ikano Bank's average fell 0.31 percentage points to 3.55% but was the highest in June 2026. Ekobanken reported the highest three-month average, 3.36%, after a decline of 0.03 percentage points from May 2026.
Variable rate, 3 months
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Ekobanken |
3.36% |
| 2 | JAK Medlemsbank |
3.26% |
| 3 |  Hypoteket |
2.95% |
| 3 |  Ikano Bank |
2.95% |
Fixed rate, 1 year
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  ICA Banken |
3.30% |
| 2 | Ikano Bank |
3.23% |
| 3 |  Nordea |
3.21% |
Fixed rate, 3 years
| Rank | Bank | Average rate |
|---|---|---|
| 1 | Ikano Bank |
3.55% |
| 2 |  Sparbanken Syd |
3.49% |
| 3 | Länsförsäkringar |
3.45% |
Margin lenders
Marginalen Bank's three-month average was 5.66%, compared with 5.68% at 60plusbanken and 4.74% at Nordax Bank. For the same period, Svea Bank reported 5.95%, Northmill Bank 6.03% and Bluestep Bank 6.07%.
Bluestep Bank's one-year average was 6.42%, its three-year average 6.40% and its five-year average 6.56%. Margin lenders decide the rate separately for each customer after assessing their credit. Their averages are excluded from the rankings because they are not comparable with the banks'.
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.