How do I switch banks or negotiate better mortgage rates in Sweden?

Get written offers from at least 3-4 banks and compare the actual rate after negotiation and full-service customer ("helkund") discounts, not just list rates ("listränta"). Use competitors' offers as leverage with your current bank. Banks want to keep full-service customers ("helkunder") with salary, savings, and insurance and may offer 0.1-0.3 percentage points lower rates. Time negotiations for when your fixed term ("räntebindningstid") expires. If switching, the new bank handles practicalities but watch for costs like new mortgage deeds ("pantbrev") and interest rate differential compensation ("ränteskillnadsersättning") on fixed loans.