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: Selling a home
Buy a home in Sweden before you sell? Two homes can cost SEK 30,000
Two months at SEK 15,000 per home adds SEK 30,000. SEB almost always advises selling first, and SBAB suggests completion three to six months out.
Selling a home in Sweden: a SEK 50,000 agent fee or 1.5% of the price?
On a home that sells for SEK 4,000,000 the fixed fee is SEK 10,000 cheaper. A commission staircase can instead give the agent 10% of all above a threshold.
Sweden's home buyers: backing out can cost 10% of the price or more
A signed purchase contract has no cooling-off period. On a SEK 3.5 million house the seller can keep SEK 350,000 and claim more if the loss is larger.
Sweden's home sale tax: 22% on your 2025 gain, file by 4 May 2026
A SEK 1,000,000 gain costs SEK 220,000 in tax. The agent's fee, stamp duty and improvements cut the gain, and a deferral puts the tax off.
Won the bidding on a Swedish home at SEK 3.2 million? Not yours yet
A SEK 3.2 million bid binds neither you nor the seller until the contract is signed. The seller can pick a lower bid, and you can walk away.