Mortgage Dictionary - negotiation

A

🇸🇪MäklararvodeAgent commission (realtor fee, brokerage fee): Real Estate Agentsone-time-costnegotiationnegotiable; What the agent costs, usually a percentage of the price or a fixed amount. Paid by the seller.
🇸🇪UppläggningsavgiftArrangement fee (setup fee, origination fee, loan setup fee): Interest Ratesone-time-costnegotiationnegotiable; A one-time fee when you take out a new loan. Can sometimes be negotiated away, especially when switching banks.
🇸🇪UtgångsprisAsking price (listing price, starting price): Buying and Sellingnegotiation; The price the seller asks for initially. The final price can be both higher and lower depending on interest.
🇸🇪SnitträntaAverage rate (mean rate, typical rate): Interest Ratesnegotiationrecurring-cost; The average of what the bank's customers actually pay. Good to compare with to see if you got a reasonable offer.

B

🇸🇪BankbyteBank switch (mortgage transfer, refinancing): Discounts and Negotiationnegotiation; Moving your mortgage to another bank to get a better rate. Often the most effective way to lower your rate.
🇸🇪BudgivningBidding (auction, bid process): Buying and Sellingnegotiation; The process where interested buyers bid against each other. Don't start bidding without loan approval and inspection.

C

🇸🇪JämförelsetjänstComparison service (rate comparison site, comparison website): Digital Toolsnegotiation; Websites that compare rates between banks. Gives overview but doesn't always show personalized offers.
🇸🇪Öppet köpCooling-off period (right of rescission, return policy): Real Estate Lawnegotiation; Right to cancel the purchase within a period. Unusual in property purchases but can be negotiated.

F

🇸🇪BottenlånFirst mortgage (primary mortgage, senior loan): Basic Loan Termsnegotiationrecurring-cost; The part of the mortgage with the lowest risk for the bank, typically up to 90% of the property value (raised from 85% since April 2026). This is where you get the best interest rate.
🇸🇪Bunden räntaFixed rate (locked rate, fixed interest): Interest Ratesnegotiationnegotiablerecurring-cost; An interest rate that is locked for a certain period, such as 3 or 5 years. Provides security but can become more expensive if market rates fall.
🇸🇪Bolån med bunden räntaFixed rate mortgage (fixed-rate loan): Loan Productsnegotiationnegotiablerecurring-cost; Loan where the rate is locked for a period. Security but can become more expensive if market rates fall.
🇸🇪RäntebindningstidFixed rate period (rate lock period, interest rate term): Interest Ratesnegotiationrecurring-cost; How long your fixed rate applies, such as 1, 3, 5, or 10 years. When the period ends, you negotiate a new rate.
🇸🇪HelkundsrabattFull customer discount (relationship discount, package discount): Discounts and Negotiationnegotiationnegotiable; Better rate if you consolidate all your banking with the same bank - salary, savings, insurance, and more.

G

🇸🇪Grönt bolånGreen mortgage (green loan, eco mortgage): Green Loansapplicationnegotiationnegotiablerecurring-cost; Mortgage with a discount for energy-efficient properties. Often requires energy class A or B.

I

🇸🇪RäntepåslagInterest margin (bank margin, spread, markup): Interest Ratesnegotiationnegotiablerecurring-cost; What the bank adds on top of their own borrowing cost to lend you money. There's room for negotiation here.
🇸🇪RänterabattInterest rate discount (rate discount, rate reduction): Discounts and Negotiationnegotiationnegotiable; Deduction from the list rate that you get through negotiation or meeting certain conditions. Most people get some form of discount.

L

🇸🇪LångivareLender (creditor, mortgagee, credit provider): Basic Loan Termsnegotiation; The bank or mortgage institution that gives you the loan. They are who you negotiate the interest rate with.
🇸🇪ListräntaList rate (posted rate, standard rate, rack rate): Interest Ratesnegotiationnegotiablerecurring-cost; The bank's official rate before negotiation. Almost everyone gets a discount on the list rate, so see it as a starting price.
🇸🇪LöptidLoan term (tenure, repayment period): Amortizationnegotiation; How long it takes to pay off the loan completely. Longer term gives lower monthly payment but more total interest paid.

M

🇸🇪StorbankMajor bank (big bank, full-service bank): Banks and Credit Institutionsnegotiation; The large banks like Swedbank, Handelsbanken, SEB, and Nordea. Often don't have the best rates but offer full service.
🇸🇪MedlemsrabattMembership discount (union discount, affinity discount): Discounts and Negotiationnegotiationnegotiable; Discount through being a member of a union or organization that has an agreement with the bank.
🇸🇪BolånerådgivareMortgage advisor (loan officer, mortgage consultant): Banks and Credit Institutionsapplicationnegotiation; The person at the bank you talk to about your mortgage. They're who you negotiate the rate with.
🇸🇪BolåneräntaMortgage interest rate (mortgage rate, home loan rate): Interest Ratesnegotiationnegotiablerecurring-cost; The cost of borrowing money for the property, expressed as a percentage per year. The most important factor for your monthly payment.

N

🇸🇪FörhandlingsrabattNegotiated discount (bargained rate): Discounts and Negotiationnegotiationnegotiable; Discount you get by actively negotiating with the bank. Call and compare with other banks' offers.
🇸🇪NischbankNiche bank (specialist lender, mortgage bank): Banks and Credit Institutionsnegotiation; Banks specializing in mortgages, like SBAB or Skandia. Often lower rates but fewer services.

O

🇸🇪Öppen budgivningOpen bidding (transparent bidding): Buying and Sellingnegotiation; When all bidders see each other's bids. Gives better overview but can drive up the price.

P

🇸🇪KampanjräntaPromotional rate (introductory rate, teaser rate): Discounts and Negotiationnegotiationrecurring-cost; Extra low rate for a limited period to attract new customers. Check what the rate will be afterward.
🇸🇪KöpeskillingPurchase price (sale price, consideration): Buying and Sellingone-time-costnegotiation; The price you pay for the property. What you need to finance with down payment and mortgage.

R

🇸🇪RäntetrappaRate ladder (interest rate mix, split mortgage, rate staggering): Interest Ratesnegotiationrecurring-cost; Splitting the loan into parts with different fixed-rate periods. Spreads the risk so the entire loan isn't affected by rate changes at once.
🇸🇪RänteförfallRate maturity (rate expiry, rate renewal date): Interest Ratesnegotiation; The date when your fixed rate expires and you can lock in a new rate or switch to variable.
🇸🇪OmförhandlingRenegotiation (rate renegotiation, repricing): Discounts and Negotiationnegotiation; Negotiating a better rate on your existing loan, either at rate maturity or anytime on a variable rate.

S

🇸🇪Dolda budSealed bids (closed bidding, blind bidding): Buying and Sellingnegotiation; When you can't see what others have bid. Makes it harder to know what's reasonable to offer.
🇸🇪TopplånSecond mortgage (top-up loan, junior loan, mezzanine loan): Basic Loan Termsnegotiationrecurring-cost; An additional loan on top of the first mortgage if you need to borrow more than 90% of the property value (raised from 85% since April 2026). The interest rate is higher due to increased risk for the bank.
🇸🇪Mixat bolånSplit mortgage (mixed mortgage, hybrid mortgage): Loan Productsnegotiationnegotiablerecurring-cost; Having part of the loan variable and part fixed. Spreads the risk and balances security with flexibility.

V

🇸🇪Rörlig räntaVariable rate (floating rate, adjustable rate, 3-month rate): Interest Ratesnegotiationnegotiablerecurring-cost; An interest rate that changes every three months based on market conditions. Usually lower than fixed rate but more uncertain.
🇸🇪Bolån med rörlig räntaVariable rate mortgage (adjustable rate mortgage, ARM, floating rate mortgage): Loan Productsnegotiationnegotiablerecurring-cost; Loan where the rate changes with the market. Flexible and often cheapest, but uncertain.
🇸🇪VolymrabattVolume discount (large loan discount): Discounts and Negotiationnegotiationnegotiable; Better rate if you have a larger loan. Banks like customers with big loans because they earn more in total.

A

🇸🇪MäklararvodeAgent commission (realtor fee, brokerage fee): Real Estate Agentsone-time-costnegotiationnegotiable; What the agent costs, usually a percentage of the price or a fixed amount. Paid by the seller.
🇸🇪UppläggningsavgiftArrangement fee (setup fee, origination fee, loan setup fee): Interest Ratesone-time-costnegotiationnegotiable; A one-time fee when you take out a new loan. Can sometimes be negotiated away, especially when switching banks.
🇸🇪UtgångsprisAsking price (listing price, starting price): Buying and Sellingnegotiation; The price the seller asks for initially. The final price can be both higher and lower depending on interest.
🇸🇪SnitträntaAverage rate (mean rate, typical rate): Interest Ratesnegotiationrecurring-cost; The average of what the bank's customers actually pay. Good to compare with to see if you got a reasonable offer.

B

🇸🇪BankbyteBank switch (mortgage transfer, refinancing): Discounts and Negotiationnegotiation; Moving your mortgage to another bank to get a better rate. Often the most effective way to lower your rate.
🇸🇪BudgivningBidding (auction, bid process): Buying and Sellingnegotiation; The process where interested buyers bid against each other. Don't start bidding without loan approval and inspection.

C

🇸🇪JämförelsetjänstComparison service (rate comparison site, comparison website): Digital Toolsnegotiation; Websites that compare rates between banks. Gives overview but doesn't always show personalized offers.
🇸🇪Öppet köpCooling-off period (right of rescission, return policy): Real Estate Lawnegotiation; Right to cancel the purchase within a period. Unusual in property purchases but can be negotiated.

F

🇸🇪BottenlånFirst mortgage (primary mortgage, senior loan): Basic Loan Termsnegotiationrecurring-cost; The part of the mortgage with the lowest risk for the bank, typically up to 90% of the property value (raised from 85% since April 2026). This is where you get the best interest rate.
🇸🇪Bunden räntaFixed rate (locked rate, fixed interest): Interest Ratesnegotiationnegotiablerecurring-cost; An interest rate that is locked for a certain period, such as 3 or 5 years. Provides security but can become more expensive if market rates fall.
🇸🇪Bolån med bunden räntaFixed rate mortgage (fixed-rate loan): Loan Productsnegotiationnegotiablerecurring-cost; Loan where the rate is locked for a period. Security but can become more expensive if market rates fall.
🇸🇪RäntebindningstidFixed rate period (rate lock period, interest rate term): Interest Ratesnegotiationrecurring-cost; How long your fixed rate applies, such as 1, 3, 5, or 10 years. When the period ends, you negotiate a new rate.
🇸🇪HelkundsrabattFull customer discount (relationship discount, package discount): Discounts and Negotiationnegotiationnegotiable; Better rate if you consolidate all your banking with the same bank - salary, savings, insurance, and more.

G

🇸🇪Grönt bolånGreen mortgage (green loan, eco mortgage): Green Loansapplicationnegotiationnegotiablerecurring-cost; Mortgage with a discount for energy-efficient properties. Often requires energy class A or B.

I

🇸🇪RäntepåslagInterest margin (bank margin, spread, markup): Interest Ratesnegotiationnegotiablerecurring-cost; What the bank adds on top of their own borrowing cost to lend you money. There's room for negotiation here.
🇸🇪RänterabattInterest rate discount (rate discount, rate reduction): Discounts and Negotiationnegotiationnegotiable; Deduction from the list rate that you get through negotiation or meeting certain conditions. Most people get some form of discount.

L

🇸🇪LångivareLender (creditor, mortgagee, credit provider): Basic Loan Termsnegotiation; The bank or mortgage institution that gives you the loan. They are who you negotiate the interest rate with.
🇸🇪ListräntaList rate (posted rate, standard rate, rack rate): Interest Ratesnegotiationnegotiablerecurring-cost; The bank's official rate before negotiation. Almost everyone gets a discount on the list rate, so see it as a starting price.
🇸🇪LöptidLoan term (tenure, repayment period): Amortizationnegotiation; How long it takes to pay off the loan completely. Longer term gives lower monthly payment but more total interest paid.

M

🇸🇪StorbankMajor bank (big bank, full-service bank): Banks and Credit Institutionsnegotiation; The large banks like Swedbank, Handelsbanken, SEB, and Nordea. Often don't have the best rates but offer full service.
🇸🇪MedlemsrabattMembership discount (union discount, affinity discount): Discounts and Negotiationnegotiationnegotiable; Discount through being a member of a union or organization that has an agreement with the bank.
🇸🇪BolånerådgivareMortgage advisor (loan officer, mortgage consultant): Banks and Credit Institutionsapplicationnegotiation; The person at the bank you talk to about your mortgage. They're who you negotiate the rate with.
🇸🇪BolåneräntaMortgage interest rate (mortgage rate, home loan rate): Interest Ratesnegotiationnegotiablerecurring-cost; The cost of borrowing money for the property, expressed as a percentage per year. The most important factor for your monthly payment.

N

🇸🇪FörhandlingsrabattNegotiated discount (bargained rate): Discounts and Negotiationnegotiationnegotiable; Discount you get by actively negotiating with the bank. Call and compare with other banks' offers.
🇸🇪NischbankNiche bank (specialist lender, mortgage bank): Banks and Credit Institutionsnegotiation; Banks specializing in mortgages, like SBAB or Skandia. Often lower rates but fewer services.

O

🇸🇪Öppen budgivningOpen bidding (transparent bidding): Buying and Sellingnegotiation; When all bidders see each other's bids. Gives better overview but can drive up the price.

P

🇸🇪KampanjräntaPromotional rate (introductory rate, teaser rate): Discounts and Negotiationnegotiationrecurring-cost; Extra low rate for a limited period to attract new customers. Check what the rate will be afterward.
🇸🇪KöpeskillingPurchase price (sale price, consideration): Buying and Sellingone-time-costnegotiation; The price you pay for the property. What you need to finance with down payment and mortgage.

R

🇸🇪RäntetrappaRate ladder (interest rate mix, split mortgage, rate staggering): Interest Ratesnegotiationrecurring-cost; Splitting the loan into parts with different fixed-rate periods. Spreads the risk so the entire loan isn't affected by rate changes at once.
🇸🇪RänteförfallRate maturity (rate expiry, rate renewal date): Interest Ratesnegotiation; The date when your fixed rate expires and you can lock in a new rate or switch to variable.
🇸🇪OmförhandlingRenegotiation (rate renegotiation, repricing): Discounts and Negotiationnegotiation; Negotiating a better rate on your existing loan, either at rate maturity or anytime on a variable rate.

S

🇸🇪Dolda budSealed bids (closed bidding, blind bidding): Buying and Sellingnegotiation; When you can't see what others have bid. Makes it harder to know what's reasonable to offer.
🇸🇪TopplånSecond mortgage (top-up loan, junior loan, mezzanine loan): Basic Loan Termsnegotiationrecurring-cost; An additional loan on top of the first mortgage if you need to borrow more than 90% of the property value (raised from 85% since April 2026). The interest rate is higher due to increased risk for the bank.
🇸🇪Mixat bolånSplit mortgage (mixed mortgage, hybrid mortgage): Loan Productsnegotiationnegotiablerecurring-cost; Having part of the loan variable and part fixed. Spreads the risk and balances security with flexibility.

V

🇸🇪Rörlig räntaVariable rate (floating rate, adjustable rate, 3-month rate): Interest Ratesnegotiationnegotiablerecurring-cost; An interest rate that changes every three months based on market conditions. Usually lower than fixed rate but more uncertain.
🇸🇪Bolån med rörlig räntaVariable rate mortgage (adjustable rate mortgage, ARM, floating rate mortgage): Loan Productsnegotiationnegotiablerecurring-cost; Loan where the rate changes with the market. Flexible and often cheapest, but uncertain.
🇸🇪VolymrabattVolume discount (large loan discount): Discounts and Negotiationnegotiationnegotiable; Better rate if you have a larger loan. Banks like customers with big loans because they earn more in total.

A

🇸🇪MäklararvodeAgent commission (realtor fee, brokerage fee): Real Estate Agentsone-time-costnegotiationnegotiable; What the agent costs, usually a percentage of the price or a fixed amount. Paid by the seller.
🇸🇪UppläggningsavgiftArrangement fee (setup fee, origination fee, loan setup fee): Interest Ratesone-time-costnegotiationnegotiable; A one-time fee when you take out a new loan. Can sometimes be negotiated away, especially when switching banks.
🇸🇪UtgångsprisAsking price (listing price, starting price): Buying and Sellingnegotiation; The price the seller asks for initially. The final price can be both higher and lower depending on interest.
🇸🇪SnitträntaAverage rate (mean rate, typical rate): Interest Ratesnegotiationrecurring-cost; The average of what the bank's customers actually pay. Good to compare with to see if you got a reasonable offer.

B

🇸🇪BankbyteBank switch (mortgage transfer, refinancing): Discounts and Negotiationnegotiation; Moving your mortgage to another bank to get a better rate. Often the most effective way to lower your rate.
🇸🇪BudgivningBidding (auction, bid process): Buying and Sellingnegotiation; The process where interested buyers bid against each other. Don't start bidding without loan approval and inspection.

C

🇸🇪JämförelsetjänstComparison service (rate comparison site, comparison website): Digital Toolsnegotiation; Websites that compare rates between banks. Gives overview but doesn't always show personalized offers.
🇸🇪Öppet köpCooling-off period (right of rescission, return policy): Real Estate Lawnegotiation; Right to cancel the purchase within a period. Unusual in property purchases but can be negotiated.

F

🇸🇪BottenlånFirst mortgage (primary mortgage, senior loan): Basic Loan Termsnegotiationrecurring-cost; The part of the mortgage with the lowest risk for the bank, typically up to 90% of the property value (raised from 85% since April 2026). This is where you get the best interest rate.
🇸🇪Bunden räntaFixed rate (locked rate, fixed interest): Interest Ratesnegotiationnegotiablerecurring-cost; An interest rate that is locked for a certain period, such as 3 or 5 years. Provides security but can become more expensive if market rates fall.
🇸🇪Bolån med bunden räntaFixed rate mortgage (fixed-rate loan): Loan Productsnegotiationnegotiablerecurring-cost; Loan where the rate is locked for a period. Security but can become more expensive if market rates fall.
🇸🇪RäntebindningstidFixed rate period (rate lock period, interest rate term): Interest Ratesnegotiationrecurring-cost; How long your fixed rate applies, such as 1, 3, 5, or 10 years. When the period ends, you negotiate a new rate.
🇸🇪HelkundsrabattFull customer discount (relationship discount, package discount): Discounts and Negotiationnegotiationnegotiable; Better rate if you consolidate all your banking with the same bank - salary, savings, insurance, and more.

G

🇸🇪Grönt bolånGreen mortgage (green loan, eco mortgage): Green Loansapplicationnegotiationnegotiablerecurring-cost; Mortgage with a discount for energy-efficient properties. Often requires energy class A or B.

I

🇸🇪RäntepåslagInterest margin (bank margin, spread, markup): Interest Ratesnegotiationnegotiablerecurring-cost; What the bank adds on top of their own borrowing cost to lend you money. There's room for negotiation here.
🇸🇪RänterabattInterest rate discount (rate discount, rate reduction): Discounts and Negotiationnegotiationnegotiable; Deduction from the list rate that you get through negotiation or meeting certain conditions. Most people get some form of discount.

L

🇸🇪LångivareLender (creditor, mortgagee, credit provider): Basic Loan Termsnegotiation; The bank or mortgage institution that gives you the loan. They are who you negotiate the interest rate with.
🇸🇪ListräntaList rate (posted rate, standard rate, rack rate): Interest Ratesnegotiationnegotiablerecurring-cost; The bank's official rate before negotiation. Almost everyone gets a discount on the list rate, so see it as a starting price.
🇸🇪LöptidLoan term (tenure, repayment period): Amortizationnegotiation; How long it takes to pay off the loan completely. Longer term gives lower monthly payment but more total interest paid.

M

🇸🇪StorbankMajor bank (big bank, full-service bank): Banks and Credit Institutionsnegotiation; The large banks like Swedbank, Handelsbanken, SEB, and Nordea. Often don't have the best rates but offer full service.
🇸🇪MedlemsrabattMembership discount (union discount, affinity discount): Discounts and Negotiationnegotiationnegotiable; Discount through being a member of a union or organization that has an agreement with the bank.
🇸🇪BolånerådgivareMortgage advisor (loan officer, mortgage consultant): Banks and Credit Institutionsapplicationnegotiation; The person at the bank you talk to about your mortgage. They're who you negotiate the rate with.
🇸🇪BolåneräntaMortgage interest rate (mortgage rate, home loan rate): Interest Ratesnegotiationnegotiablerecurring-cost; The cost of borrowing money for the property, expressed as a percentage per year. The most important factor for your monthly payment.

N

🇸🇪FörhandlingsrabattNegotiated discount (bargained rate): Discounts and Negotiationnegotiationnegotiable; Discount you get by actively negotiating with the bank. Call and compare with other banks' offers.
🇸🇪NischbankNiche bank (specialist lender, mortgage bank): Banks and Credit Institutionsnegotiation; Banks specializing in mortgages, like SBAB or Skandia. Often lower rates but fewer services.

O

🇸🇪Öppen budgivningOpen bidding (transparent bidding): Buying and Sellingnegotiation; When all bidders see each other's bids. Gives better overview but can drive up the price.

P

🇸🇪KampanjräntaPromotional rate (introductory rate, teaser rate): Discounts and Negotiationnegotiationrecurring-cost; Extra low rate for a limited period to attract new customers. Check what the rate will be afterward.
🇸🇪KöpeskillingPurchase price (sale price, consideration): Buying and Sellingone-time-costnegotiation; The price you pay for the property. What you need to finance with down payment and mortgage.

R

🇸🇪RäntetrappaRate ladder (interest rate mix, split mortgage, rate staggering): Interest Ratesnegotiationrecurring-cost; Splitting the loan into parts with different fixed-rate periods. Spreads the risk so the entire loan isn't affected by rate changes at once.
🇸🇪RänteförfallRate maturity (rate expiry, rate renewal date): Interest Ratesnegotiation; The date when your fixed rate expires and you can lock in a new rate or switch to variable.
🇸🇪OmförhandlingRenegotiation (rate renegotiation, repricing): Discounts and Negotiationnegotiation; Negotiating a better rate on your existing loan, either at rate maturity or anytime on a variable rate.

S

🇸🇪Dolda budSealed bids (closed bidding, blind bidding): Buying and Sellingnegotiation; When you can't see what others have bid. Makes it harder to know what's reasonable to offer.
🇸🇪TopplånSecond mortgage (top-up loan, junior loan, mezzanine loan): Basic Loan Termsnegotiationrecurring-cost; An additional loan on top of the first mortgage if you need to borrow more than 90% of the property value (raised from 85% since April 2026). The interest rate is higher due to increased risk for the bank.
🇸🇪Mixat bolånSplit mortgage (mixed mortgage, hybrid mortgage): Loan Productsnegotiationnegotiablerecurring-cost; Having part of the loan variable and part fixed. Spreads the risk and balances security with flexibility.

V

🇸🇪Rörlig räntaVariable rate (floating rate, adjustable rate, 3-month rate): Interest Ratesnegotiationnegotiablerecurring-cost; An interest rate that changes every three months based on market conditions. Usually lower than fixed rate but more uncertain.
🇸🇪Bolån med rörlig räntaVariable rate mortgage (adjustable rate mortgage, ARM, floating rate mortgage): Loan Productsnegotiationnegotiablerecurring-cost; Loan where the rate changes with the market. Flexible and often cheapest, but uncertain.
🇸🇪VolymrabattVolume discount (large loan discount): Discounts and Negotiationnegotiationnegotiable; Better rate if you have a larger loan. Banks like customers with big loans because they earn more in total.