Middle East war shakes rates, Sweden's policy rate stays at 1.75%
The CPIF inflation forecast for 2026 rises from 0.9% to 1.5% on energy prices. Short market rates are up, so variable mortgages can still get dearer.
News
Short news about mortgage rates, the Riksbank and the housing market.
Sweden's interest deduction: SEK 84,000 in interest gives SEK 25,200
The deduction is 30% on up to SEK 100,000 of interest and 21% above. Approve your return by 31 March 2026 and the money arrives 7-10 April 2026.
Ålandsbanken's Swedish variable mortgage leapt to 3.04%, February 2026
Ålandsbanken's average variable rate rose 0.49 percentage points to 3.04% in February 2026. Skandia took over first place at 2.55%.
Home viewing in Sweden: 10 things to check before you bid
A SEK 2.8 million two-room flat can cost SEK 12,046 a month. Check recent sale prices, the association's loans and the bathroom before your first bid.
Buy a Swedish home in April 2026? Down payment may fall SEK 150,000
With a 90% cap, SEK 300,000 is enough for a SEK 3 million home, but the monthly cost rises about SEK 480. Parliament has yet to vote on the proposal.
Swedish co-op or house: who pays for a SEK 250,000 new roof?
In a house you pay for the whole roof. In a co-op the association pays, but through the fee: a SEK 10 million pipe job can add SEK 833 a month.
Swedish amortization rules: why you may repay 3% a year
A SEK 3.4 million loan and a SEK 600,000 household income mean SEK 102,000 a year in amortization. Without the income rule it would be SEK 68,000.
Ålandsbanken leads Swedish variable mortgages at 2.55% in January 2026
Ålandsbanken's average variable rate of 2.55% beat Skandia's 2.56% in January 2026. The banks' median rose for every rate period from December 2025.
Swedish mortgage pre-approval: free, but on your credit file 12 months
Each bank sets how long a pre-approval lasts, 6 months at Swedbank. It does not bind the bank, so apply at one or two banks, not five.
Sweden proposes a 10% home down payment from 1 April 2026
The cap would rise to 90% and the stricter amortization rule would go. On a SEK 3 million home, the down payment drops from SEK 450,000 to SEK 300,000.
How big a Swedish mortgage? On SEK 70,000 a month, SEK 3.4 million
Banks test at a 7% rate. A couple on SEK 70,000 a month keep SEK 24,665, but only SEK 15,790 if the loan grows to SEK 4.25 million.
Swedish policy rate held at 1.75%, and the Riksbank expects it to stay
The policy rate stays at 1.75% for some time. A SEK 3 million variable loan costs about SEK 4,585 a month after tax relief. Next decision: 19 March 2026.