Swedish mortgage rate up 2 points? Can you pay SEK 3,500 more a month
On a SEK 3,000,000 loan that is SEK 60,000 more a year before tax relief. Borrow alone and the rise costs about SEK 45,700 after relief, not SEK 42,000.
News: Variable 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 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.
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.
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.
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.
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 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.
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.
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.