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: Fixed mortgage rates
Fixing a Swedish mortgage for 3 years? Variable must rise 0.49 points
SEB's August 2026 averages: 2.67% variable, 3.16% fixed for three years. On the Riksbank forecast, fixing saves only about SEK 1,800 a year.
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.
Sweden's Riksbank: policy rate from 1.75% to 2.4% by autumn 2027
Hikes should start in 2026. If banks follow, a variable SEK 3,000,000 loan may cost about SEK 19,000 more a year, SEK 13,000 after tax relief.
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.
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 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.
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%.
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%.
Sweden's Riksbank opens door to a hike: 1.82% forecast for late 2026
The policy rate stays at 1.75% on 17 June 2026. In our example, a variable rate still beats a two-year fixed rate even after a 0.25-point hike.
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.
Sweden's Riksbank waits out the war: rate stays at 1.75% in May 2026
CPIF inflation fell to 0.8% in April 2026 and growth is weak. The Riksbank may still raise rates if the Middle East war sets off broad inflation.
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.
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.
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.
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.
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.
Sweden's Riksbank, 29 January 2026: what 0.25 points costs a mortgage
The policy rate is 1.75%. A 0.25-point move changes a SEK 3 million variable loan by SEK 7,500 a year. Fixed rates follow the bond market instead.
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%.