Sweden's lowest three-year mortgage, July 2026: Sparbanken Spira 2.96%
Sparbanken Spira cut its three-year average by 0.21 percentage points to 2.96% in July 2026. Swedbank and Sparbanken Lidköping tied for second at 3.02%.
Sparbanken Spira had the lowest three-year average mortgage rate ("snittränta") in July 2026 at 2.96%. Its average fell 0.21 percentage points from June 2026. The banks' rates after July 2026 are among the current mortgage rates.
Variable rate, 3 months
Skandia's three-month average was still the lowest. It fell from 2.59% in June 2026 to 2.58% in July 2026. Vimmerby Sparbank was second. Its average fell 0.14 percentage points to 2.59%, from 2.73% the month before.
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Skandia |
2.58% |
| 2 |  Vimmerby Sparbank |
2.59% |
| 3 |  Avanza |
2.61% |
| 3 |  Landshypotek Bank |
2.61% |
Fixed rate, 1 year
At an unchanged 2.55%, JAK Medlemsbank's one-year average was the lowest. Sparbanken Alingsås was second at 2.71%, a decrease of 0.10 percentage points from June 2026.
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  JAK Medlemsbank |
2.55% |
| 2 | Sparbanken Alingsås |
2.71% |
| 3 | Skandia |
2.81% |
Fixed rate, 3 years
Sparbanken Lidköping and Swedbank tied for second at 3.02%. Sparbanken Lidköping's average was down 0.23 percentage points from June 2026.
| Rank | Bank | Average rate |
|---|---|---|
| 1 | Sparbanken Spira |
2.96% |
| 2 | Sparbanken Lidköping |
3.02% |
| 2 |  Swedbank |
3.02% |
Highest average rates
For three-year mortgages, Ikano Bank reported the highest average at 3.71%, up 0.16 percentage points from June 2026. ICA Banken's one-year average increased from 3.30% to 3.41% and was the highest for that fixed-rate period ("bindningstid"). Ekobanken was highest for variable rates at 3.41%.
Variable rate, 3 months
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Ekobanken |
3.41% |
| 2 | JAK Medlemsbank |
3.27% |
| 3 |  Lån & Spar Bank |
3.01% |
Fixed rate, 1 year
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  ICA Banken |
3.41% |
| 2 |  Ikano Bank |
3.31% |
| 3 |  Hypoteket |
3.27% |
Fixed rate, 3 years
| Rank | Bank | Average rate |
|---|---|---|
| 1 | Ikano Bank |
3.71% |
| 2 | Hypoteket |
3.59% |
| 3 |  Länsförsäkringar |
3.46% |
Margin lenders
Three-month averages were 6.07% at Marginalen Bank, 5.99% at Bluestep Bank and 4.98% at Nordax Bank. Svea Bank recorded 6.09%, Northmill Bank 6.49% and 60plusbanken 5.91% for three months.
For fixed rates, Bluestep Bank reported 5.85% for one year, 6.17% for three years and 6.41% for five years, and Marginalen Bank 5.79% for one year. Each customer's rate depends on a credit assessment, so the averages of margin lenders ("marginallångivare") are not comparable with banks' averages.
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.