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.
News: Switching banks
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.