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.
| Bank | List rate 3 mo | Average rate 3 mo | Rabatt | Notes |
|---|
Average rates as reported by the banks themselves. Updated . The amortisation requirement applies: 2% a year above 70% loan-to-value, 1% above 50%.
See also
- Compare personal loans, consolidation and quick loans
- Loan calculator with effective rate and amortisation schedule
- Work out whether consolidating your loans pays off
- The rules that protect you as a borrower
- Credit cards with no annual fee, compare the interest-free period and rewards
- Car loans: security in the car means a lower rate
- Unsecured business loans for limited companies and sole traders
- Questions Swedish borrowers ask us
- Personal loans
- Quick loans
- Guides
- Method
Updated