Swedish one-year mortgages: median up to 3.10% in September 2026
The banks' one-year median was 2.84% in September 2025. A year later it stood at 3.10%. JAK Medlemsbank was lowest at 2.60%.
News: Average mortgage rates
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%.
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 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.
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%.
Sörmlands Sparbank cut Swedish three-year mortgages to 3.14%, May 2026
Sörmlands Sparbank's three-year average fell from 3.51% to 3.14% in May 2026. Only Swedbank's 3.09% was lower. Danske Bank was second on variable at 2.67%.
Swedbank tops Sweden's three-year mortgages at 3.05% in April 2026
At 3.05%, Swedbank passed Sparbanken Mälardalen on three-year fixes in April 2026. The banks' median rose for every rate period from March 2026.
Swedish three-year mortgages ranged from 2.85% to 3.56% in March 2026
Sparbanken Mälardalen was lowest and ICA Banken highest on three-year fixes in March 2026. Skandia cut 0.11 percentage points to 2.92%, passing Swedbank.
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%.
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.
Lowest Swedish mortgage rate in December 2025: 2.42% on a one-year fix
JAK Medlemsbank held its one-year average at 2.42% in December 2025. Skandia was lowest on variable at 2.51%, Skurups Sparbank on three years at 2.72%.
Swedish mortgage: one call for 0.2 points off saves SEK 6,000 a year
On a SEK 3 million mortgage, 0.2 points off saves SEK 6,000 a year, or SEK 4,200 after tax relief. Your bank's own average rate is your best argument.