How does my age affect my ability to get a mortgage in Sweden?

There's no upper age limit for mortgages ("bolån"), but banks may require the loan to be repaid by a certain age (often 75-85 years). Older borrowers ("låntagare") may need to amortize ("amortera") faster or take shorter fixed terms ("räntebindningstid"). Retirees ("pensionärer") with stable pension income can get loans based on pension size, but loan amounts ("lånebelopp") and loan-to-value ratio ("belåningsgrad") are often lower. Young first-time buyers ("förstagångsköpare") without credit history need to demonstrate stable employment and savings. Age itself isn't disqualifying – it's about demonstrating payment capacity ("betalningsförmåga").