How does full-service customer status reduce my mortgage rate?

Banks often offer better rates to full-service customers ("helkunder") who have salary, savings, insurance, and cards with them. The discount can be 0.1-0.3 percentage points lower rate. Weigh this discount against whether you want to be locked to one bank – it may be worth having your mortgage ("bolån") with one bank and savings with another that has better terms. Always negotiate and be clear that you're considering consolidating everything if they match competitors' offers.