Sweden's policy rate is flat at 1.75%: why fixed mortgages cost more
Banks fund fixed mortgages with bonds. The yield on two-year mortgage bonds rose from 2.42% on 1 July 2026 to 3.13% on 18 September 2026.
News: Danske Bank
Swedish banks raise fixed mortgage rates: Swedbank's two-year at 3.89%
The rise is 0.25 points and can add SEK 7,500 a year to a SEK 3,000,000 loan. Variable rates stay put. Five other banks raised fixed rates first.
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.
Swedish banks raise mortgage rates 0.15 points without the Riksbank
Swedbank, Nordea and Danske Bank lift variable list rates to 3.89-3.99%. On a SEK 3 million loan that is SEK 4,500 a year, SEK 3,150 after tax relief.