Buying a home in Sweden: mortgage rates and costs
What a mortgage typically costs in Sweden right now, how the central bank rate compares, and a worked monthly payment example you can adjust in our calculators.
Typical mortgage rate
3% – 3.8%
5-year fixed (bunden ränta). Swedish mortgages are mostly 1–5 year fixed or 3-month variable.
As of 2025-11-28. Source
Example monthly payment in Sweden
| Purchase price | SEK 4,000,000 |
|---|---|
| Deposit (15%) | SEK 600,000 |
| Loan amount | SEK 3,400,000 |
| Interest rate | 3.4% · 25-year term |
| Estimated monthly payment | SEK 16,839 |
Illustration only, using the midpoint of the typical rate range. It excludes taxes, insurance and fees. Adjust the figures in the mortgage calculator.