How can I improve my chances of getting a mortgage in Sweden with weak finances?

Save more down payment ("kontantinsats") – the more equity, the less risk for the bank. Ensure stable income and permanent employment ("fast anställning") if possible. Include a co-applicant ("medlåntagare") with good finances. Pay down existing debts and close unused credits. Avoid applying for new loans or credits right before your mortgage ("bolån") application as each credit check ("kreditupplysning") is visible. Apply to multiple banks since they assess differently – niche banks ("nischbanker") can sometimes be more accommodating than major banks ("storbanker").