How does being self-employed affect my mortgage application in Sweden?

For sole proprietorship ("enskild firma"), income is assessed from recent years' tax returns ("deklarationer") – the bank looks at business surplus ("överskott av verksamheten"). You usually need at least 2-3 years of stable results. For limited companies ("aktiebolag"), it's your paid salary and dividends ("utdelning") that count, not the company's results. Low salary combined with high dividends may be tax-advantageous but can complicate applications. The bank may want to see company financial statements ("bokslut") to assess stability. Keep personal finances and business separate, and be prepared to explain varying results.