Buying a co-op flat in Sweden? New pipes can add SEK 1,460 a month
An association that borrows SEK 15 million at 3.5% pays SEK 525,000 a year in interest. Find the plans in the annual report, maintenance plan and minutes.
News
Short news about mortgage rates, the Riksbank and the housing market.
Sweden's bridging loans: 3 months between homes can cost SEK 12,750
Borrow SEK 1,200,000 at 4.25% and three months of interest cost SEK 12,750. If the loan is unsecured, there is no tax relief from 2026: SEK 3,825 lost.
Buy a home in Sweden before you sell? Two homes can cost SEK 30,000
Two months at SEK 15,000 per home adds SEK 30,000. SEB almost always advises selling first, and SBAB suggests completion three to six months out.
Sweden's Riksbank holds 1.75%, but a 2026 hike is still on the table
Inflation and growth in summer 2026 beat the Riksbank's forecast. A 0.25-point hike would add SEK 7,500 a year to a SEK 3 million mortgage.
Selling a home in Sweden: a SEK 50,000 agent fee or 1.5% of the price?
On a home that sells for SEK 4,000,000 the fixed fee is SEK 10,000 cheaper. A commission staircase can instead give the agent 10% of all above a threshold.
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%.
Skandia's 2.58% beat Sweden's big banks on variable rates in July 2026
The gap between the highest and lowest average rate was 0.19 points, or SEK 5,700 a year on SEK 3m. Who owns the lender decides whether you must negotiate.
Swedish full-customer discount: 0.1 points on SEK 3m, SEK 2,100 a year
Card packages and dearer funds can eat the gain. In the example with a SEK 3,000,000 mortgage, only SEK 560 a year is left once the fees are paid.
Swedish mortgage list rates: Danske Bank 3.84%, customers pay 2.67%
On a SEK 3,000,000 loan the gap is SEK 35,100 a year before tax relief. Compare your rate with your bank's average rate and use the gap to negotiate.
75% loan-to-value in Sweden: SEK 60,000 a year to amortize on SEK 3m
Below 70%, 1% amortization is enough, and SBAB's example rates apply at 60% or less. Your lender must show how it worked out your loan-to-value.
Buying a Swedish house near water? Flood excess can be SEK 30,000
Folksam's flood excess is 10% of the damage, at least SEK 10,000. Water that seeps in through the foundation is usually not covered at all.
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%.