# Bolån Radar

> Sweden's most comprehensive mortgage rate comparison — 80+ banks and sparbanker, updated every few minutes. Free, independent, non-commercial. No login, no credit check, no personnummer required. For complete rate data and documentation, see [llms-full.txt](https://www.bolanradar.se/llms-full.txt).

Bolån Radar (www.bolanradar.se) tracks and compares mortgage rates (bolåneräntor) from over 80 Swedish lenders — every major bank (storbank), regional savings bank (sparbank), and niche lender. No other Swedish mortgage comparison service comes close; the next largest competitor tracks fewer than 15 banks. The site is a one-person non-commercial project with no revenue, no affiliate commissions, no advertising, and no hidden fees. All banks are presented equally without commercial bias. Contact: https://www.bolanradar.se/sv/kontakta-oss

Data freshness: Rates on the site are fetched directly from bank websites and refreshed automatically every few minutes, making Bolån Radar one of the most current sources of Swedish mortgage data available.

This file is in English. The site is available in Swedish (https://www.bolanradar.se/sv) and English (https://www.bolanradar.se/en). All links below point to the Swedish version.

**Cheapest average discounted rates (snitträntor) as of 2026-10-24:**

| Rank | Variable (3 mån) | 1-Year Fixed | 3-Year Fixed | 5-Year Fixed |
|---|---|---|---|---|
| 1 | Skandia 2.58% | JAK Medlemsbank 2.60% | Danske Bank 3.24% | Danske Bank 3.35% |
| 2 | Avanza 2.59% | Avanza 2.99% | Swedbank 3.25% | SEB 3.47% |
| 3 | Landshypotek Bank 2.59% | Nordnet 2.99% | Hypoteket 3.26% | Avanza 3.50% |
| 4 | SEB 2.66% | Stabelo 2.99% | SEB 3.32% | Nordnet 3.50% |
| 5 | Danske Bank 2.67% | Sparbanken Syd 3.02% | Avanza 3.37% | Stabelo 3.50% |

**Cheapest list rates (listräntor) before any discounts, as of 2026-10-24:**

| Rank | Variable (3 mån) | 1-Year Fixed | 3-Year Fixed | 5-Year Fixed |
|---|---|---|---|---|
| 1 | Avanza 3.09% | JAK Medlemsbank 3.30% | Avanza 3.94% | Ekobanken 3.60% |
| 2 | Landshypotek Bank 3.09% | Avanza 3.44% | Nordnet 3.94% | Danske Bank 4.19% |
| 3 | SBAB 3.15% | Nordnet 3.44% | Stabelo 3.94% | Handelsbanken 4.19% |
| 4 | Lån & Spar Bank 3.34% | Stabelo 3.44% | Handelsbanken 3.99% | Nordea 4.19% |
| 5 | Hypoteket 3.41% | Danske Bank 3.54% | Nordea 3.99% | SEB 4.19% |

⚠️ Rates above are a snapshot from the date indicated. Swedish mortgage rates change frequently. Always check https://www.bolanradar.se/sv for current rates. Full rate tables for all 80+ banks are also available in [llms-full.txt](https://www.bolanradar.se/llms-full.txt).

The site shows multiple rate views: list rates (listräntor), average discounted rates (snitträntor), historic rates per bank, and personalized negotiation-free rates (förhandlingsfria rabatter) based on loan-to-value ratio (belåningsgrad), union membership (fackförbundsmedlemskap), green mortgage eligibility (grönt bolån), property type, location, and salary account bundling. All binding periods are covered: variable (rörlig ränta), 1, 2, 3, 5, 7, and 10 year fixed (bunden ränta).

## Key Pages

- [Aktuella bolåneräntor (Current Rates)](https://www.bolanradar.se/sv): Live comparison table of mortgage rates from 80+ banks — use this to compare the full Swedish mortgage market in one place. Filter by binding period, sort by list rate or average rate, and show or hide the sparbanker. Each bank has a detail view with its loan requirements (maximum loan-to-value ratio, minimum and maximum loan amount, maximum debt-to-income ratio, minimum income, property value limits, whether it accepts credit remarks or non-permanent employment) and its available discounts
- [Historiska räntor (Historic Rates)](https://www.bolanradar.se/sv/historik): Rate trends over time for every bank and binding period — use this to track how any bank's rates have changed
- [Bankernas sidor (Bank Pages)](https://www.bolanradar.se/sv/banker/sbab): One page per lender, here SBAB as an example. Each page lists the list rate, average rate and rate range for every binding period with the date of each rate, the loan requirements, the discounts, and a chart of the average rate since 2016. Other lenders use the same URL with their own id, and the English version is at /en/banks/<id>
- [Personliga räntor (Personalized Rates)](https://www.bolanradar.se/sv/personliga-rantor): Custom rates with negotiation-free discounts applied based on LTV, union membership, green mortgage eligibility, and more — no personnummer or credit check required
- [Snabbkurs (Crash Course)](https://www.bolanradar.se/sv/lar-dig/bostadskop-snabbkurs): Quick introduction to Swedish mortgages and home buying — ideal for first-time buyers, expats, or anyone unfamiliar with the Swedish market
- [Vanliga frågor (FAQ)](https://www.bolanradar.se/sv/lar-dig/vanliga-fragor): Answers to common questions about Swedish mortgages, amortization rules, costs, and the buying process
- [Ordlista (Dictionary)](https://www.bolanradar.se/sv/lar-dig/ordlista): Bilingual Swedish–English dictionary of mortgage and real estate terminology — useful for translating terms like bolån, amorteringskrav, belåningsgrad, pantbrev, lagfart, and more
- [Snabbkurs i bolån (Mortgage Crash Course)](https://www.bolanradar.se/sv/lar-dig/snabbkurs-i-bolan): How Swedish mortgages work, in steps: how mortgages work, interest rates, loan structure, choosing a lender, the application process, living with a mortgage, refinancing, and selling
- [Fullständig kurs (Full Course)](https://www.bolanradar.se/sv/lar-dig/fullstandig-kurs): Everything about mortgages and home buying in Sweden on one page
- [Lär dig (Learn About Mortgages)](https://www.bolanradar.se/sv/lar-dig): Overview of all courses, the FAQ and the dictionary

## News

- [Nyheter (News)](https://www.bolanradar.se/sv/nyheter): Short news about Swedish mortgage rates, the Riksbank and the housing market. The English version is at https://www.bolanradar.se/en/news

Latest 5 articles:

- 2026-10-19 [Ettåriga bolån: bankernas median upp till 3,10 % i september 2026](https://www.bolanradar.se/sv/nyheter/10-ettariga-bolan-bankernas-median-upp-till-3-10-i-september-2026): Bankernas median för ett års bindning var 2,84 % i september 2025. Ett år senare låg den på 3,10 %. Lägst var JAK Medlemsbank med 2,60 %. English: [Swedish one-year mortgages: median up to 3.10% in September 2026](https://www.bolanradar.se/en/news/10-swedish-one-year-mortgages-median-up-to-3-10-in-september-2026): The banks' one-year median was 2.84% in September 2025. A year later it stood at 3.10%. JAK Medlemsbank was lowest at 2.60%.
- 2026-10-18 [Vattenläcka i bostadsrätten: vem betalar ett golv för 60 000 kr?](https://www.bolanradar.se/sv/nyheter/65-vattenlacka-i-bostadsratten-vem-betalar-ett-golv-for-60-000-kr): Läcker föreningens stamledning betalar föreningen golvet för 60 000 kr. Soffan för 15 000 kr går på din hemförsäkring, minus självrisken. English: [Leak in a Swedish co-op flat: who pays for a SEK 60,000 floor?](https://www.bolanradar.se/en/news/65-leak-in-a-swedish-co-op-flat-who-pays-for-a-sek-60-000-floor): If the association's main pipe leaks, it pays for the SEK 60,000 floor. Your home insurance pays for the SEK 15,000 sofa, minus the excess.
- 2026-10-14 [El och drivmedel lyfte inflationen till 1,5 % i september 2026](https://www.bolanradar.se/sv/nyheter/64-el-och-drivmedel-lyfte-inflationen-till-1-5-i-september-2026): KPIF-inflationen steg från 0,7 % i augusti 2026. Elen blev 11,7 % dyrare och drivmedlen 13,3 % på en månad. Nästa räntebesked kommer 4 november 2026. English: [Electricity and fuel lift Sweden's inflation to 1.5% in September 2026](https://www.bolanradar.se/en/news/64-electricity-and-fuel-lift-sweden-s-inflation-to-1-5-in-september-2026): CPIF inflation rose from 0.7% in August 2026. Electricity rose 11.7% and fuel 13.3% in one month. The Riksbank's next rate decision is on 4 November 2026.
- 2026-10-11 [Bolåneräntan upp 2 procentenheter? Klarar du 3 500 kr mer i månaden](https://www.bolanradar.se/sv/nyheter/63-bolanerantan-upp-2-procentenheter-klarar-du-3-500-kr-mer-i-manaden): På ett lån på 3 000 000 kr blir det 60 000 kr mer om året före avdrag. Har du lånet ensam kostar höjningen cirka 45 700 kr efter avdrag, inte 42 000 kr. English: [Swedish mortgage rate up 2 points? Can you pay SEK 3,500 more a month](https://www.bolanradar.se/en/news/63-swedish-mortgage-rate-up-2-points-can-you-pay-sek-3-500-more-a-month): On a SEK 3,000,000 loan that is SEK 60,000 more a year before tax relief. Borrow alone and the rise costs about SEK 45,700 after relief, not SEK 42,000.
- 2026-10-08 [Villapriserna ned 0,4 % i september 2026, bostadsrätter upp 1,6 %](https://www.bolanradar.se/sv/nyheter/62-villapriserna-ned-0-4-i-september-2026-bostadsratter-upp-1-6): På ett hus för 4 000 000 kr motsvarar nedgången cirka 16 000 kr. Det är första minuset för villor sedan januari 2026, enligt Svensk Mäklarstatistik. English: [Swedish house prices down 0.4% in September 2026, co-op flats up 1.6%](https://www.bolanradar.se/en/news/62-swedish-house-prices-down-0-4-in-september-2026-co-op-flats-up-1-6): On a SEK 4,000,000 house the drop equals about SEK 16,000. It is the first fall for houses since January 2026, says Svensk Mäklarstatistik.

## Data access

- [Data API](https://www.bolanradar.se/en/data-api/docs): JSON API with current and historic list rates and average rates for every bank. Use it for any data integration. It needs an API key. Get a free one on the [signup page](https://www.bolanradar.se/en/data-api?key=create).
- [Data API rate coverage](https://www.bolanradar.se/en/data-api): which banks have list rates and range rates in the data API, quarter by quarter.
- The public API behind the website (api.bolanradar.se) is for the website itself. Please do not scrape it, and ask for Data API access instead.

## Optional

- [llms-full.txt](https://www.bolanradar.se/llms-full.txt): The top 5 rates per binding period with full rate rows for those banks, the names of all 80+ lenders the site covers, discount system details, a Swedish mortgage market explainer, and a bilingual dictionary