No Swedish bank under 3% on three-year mortgages in August 2026
Skurups Sparbank had the lowest three-year average in August 2026 at 3.03%, down from 3.05%. Skandia stayed lowest on variable rates at 2.58%.
No bank had a three-year average mortgage rate ("snittränta") under 3% in August 2026. Skurups Sparbank was lowest at 3.03%, against 3.05% in July 2026. How three-year rates have moved since August 2026 shows on Bolån Radar's current rates page.
Variable rate, 3 months
For variable mortgages, Skandia's average remained at 2.58% and was still the lowest. The bank median fell from 2.73% in July 2026 to 2.72% in August 2026. Savings banks ("sparbanker") and margin lenders ("marginallångivare") are excluded from the median.
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Skandia |
2.58% |
| 2 |  Avanza |
2.61% |
| 2 |  Landshypotek Bank |
2.61% |
Fixed rate, 1 year
Despite a rise of 0.05 percentage points from July 2026 to 2.60%, JAK Medlemsbank kept the lowest one-year average. Second-placed Sparbanken Alingsås reported 2.86%, up 0.15 percentage points from the month before.
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  JAK Medlemsbank |
2.60% |
| 2 |  Sparbanken Alingsås |
2.86% |
| 3 |  Swedbank |
2.92% |
Fixed rate, 3 years
Swedbank ranked second at 3.11%, after its average rose 0.09 percentage points from July 2026. Sparbanken Eken was third at 3.12%.
| Rank | Bank | Average rate |
|---|---|---|
| 1 | Skurups Sparbank |
3.03% |
| 2 | Swedbank |
3.11% |
| 3 | Sparbanken Eken |
3.12% |
Highest average rates
Länsförsäkringar had the highest three-year average at 3.52%. ICA Banken was highest for one-year mortgages at 3.36%. Ekobanken's 3.33% was the highest variable average.
Variable rate, 3 months
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Ekobanken |
3.33% |
| 2 | JAK Medlemsbank |
3.27% |
| 3 |  Sparbanken Syd |
2.94% |
Fixed rate, 1 year
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  ICA Banken |
3.36% |
| 2 |  Ikano Bank |
3.33% |
| 3 |  Hypoteket |
3.25% |
| 3 |  Nordea |
3.25% |
Fixed rate, 3 years
| Rank | Bank | Average rate |
|---|---|---|
| 1 |  Länsförsäkringar |
3.52% |
| 2 |  Handelsbanken |
3.49% |
| 3 | Hypoteket |
3.45% |
Margin lenders
For three-month mortgages, 60plusbanken reported 6.08%, Nordax Bank 4.89% and Bluestep Bank 5.91%. Northmill Bank's average for the same period was 7.56%, while Svea Bank's was 6.04%.
Bluestep Bank's three-year average was 6.24% and its five-year average 6.20%, while its one-year average was 6.23%. These averages are not comparable with bank averages because margin lenders set each customer's rate after assessing their credit.
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.