KreddoCompare loans in Sweden
Mortgages

Mortgage rates — list rate against the real average

The list rate is the shop window. The average rate is what the bank’s customers actually pay. The gap is your negotiating margin — and it is often more than a percentage point.

Short answer

On a mortgage of SEK 3,000,000 the difference between list and average rate is worth roughly SEK 30,000–37,000 a year. Never call only your own bank: get a written offer from at least one competitor first, then ask your bank to match it. Moving a mortgage is free — there are no arrangement fees on Swedish mortgages.

Mortgage rates, three-month fixing, September 2026
BankList rate 3 moAverage rate 3 mo DiscountNotes
SBAB3.15 %2.69 %0.46 %Lowest list rate on the marketTermsAdvert. We are paid if you apply.
SEB3.94 %2.71 %1.23 %Largest discount off the list rateTermsAdvert. We are paid if you apply.
Swedbank3.89 %2.77 %1.12 %Discount via a full-service agreementTermsAdvert. We are paid if you apply.
Länsförsäkringar3.99 %2.77 %1.22 %Bonus for insurance customersTermsAdvert. We are paid if you apply.
Nordea3.94 %2.82 %1.12 %Green mortgage discount for energy class A–BTermsAdvert. We are paid if you apply.
Hypoteket3.09 %2.74 %0.35 %No negotiation — everyone gets the same rateTermsAdvert. We are paid if you apply.
Stabelo3.12 %2.73 %0.39 %Digital operator, fast processTermsAdvert. We are paid if you apply.
Skandia3.79 %2.85 %0.94 %Discount for pension saversTermsAdvert. We are paid if you apply.

Average rates as reported by the banks themselves. Updated 2 September 2026. The amortisation requirement applies: 2% a year above 70% loan-to-value, 1% above 50%.

See also

Updated 2 September 2026