Sweden's bridging loans: 3 months between homes can cost SEK 12,750
Borrow SEK 1,200,000 at 4.25% and three months of interest cost SEK 12,750. If the loan is unsecured, there is no tax relief from 2026: SEK 3,825 lost.
News: Handelsbanken
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.
House in Spain: Swedish banks say no, but your home can go to 80%
With a SEK 4,000,000 house and a SEK 2,000,000 loan you can borrow SEK 1,200,000 more. At 80%, amortization comes to SEK 5,333 a month.
Handover day on a Swedish house: 7 steps before you get the keys
Your bank pays SEK 2,880,000, the seller's loans are cleared and you sign the deed of sale. Then you have three months to apply for title registration.
A SEK 1.5m Swedish cottage: borrow 90% on it, 80% on your house
With a 90% loan, a SEK 1,500,000 cottage costs about SEK 5,400 a month in interest and amortization at 2.8%. A top-up on your house stops at 80%.
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.