Today's rates
The policy rate is 2,00 %
The Riksbank raised it by 0,25 points, from 1,75 %. In force from 2026-11-11.
- Landshypotek2,59 %
- Stabelo2,66 %
- SBAB3,15 %
- Swedbank3,89 %
- Handelsbanken3,94 %
- SEB3,94 %
- Nordea3,94 %
- Länsförsäkringar3,94 %
List rate, 3 months. Read on the lenders' own pages and at the Riksbank 4 nov 2026, 19.49–19.50. Compare every lender
A home for SEK 4.95m
13 741 kr/mån
If the rate rises 1 %: +2 770 kr/mån
Interest after the tax reduction, amortisation as the rules require. The start value is the banks' average 3-month rate (2,70 %). Running costs and electricity not included.
Mortgage rates
Every lender's rates. Read today.
The list rate per term, straight from the lenders' own pages, with the time we read them. The lowest in each column is marked. Tap a heading to sort.
| Read | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| SBAB | 3,15 | 3,72 | 4,09 | 4,19 | 4,29 | 4,39 | 4,58 | 4,74 | 4 nov 2026, 19.49 |
| Swedbankändrad 18 september 2026 | 3,89 | 3,62 | 3,89 | 3,99 | 4,09 | 4,19 | 4,34 | 4,39 | 4 nov 2026, 19.49 |
| Handelsbanken | 3,94 | 3,69 | 3,94 | 3,99 | – | 4,19 | – | 4,40 | 4 nov 2026, 19.49 |
| SEB | 3,94 | – | – | – | – | – | – | – | 4 nov 2026, 19.49 |
| Nordeatabellen uppdaterad 2026-11-04 | 3,94 | 3,69 | 3,94 | 3,99 | 4,09 | 4,19 | – | – | 4 nov 2026, 19.50 |
| Länsförsäkringar | 3,94 | 3,74 | 3,99 | 4,10 | 4,19 | 4,29 | 4,50 | 4,60 | 4 nov 2026, 19.50 |
| Landshypoteknominell ränta efter rabatt – banken anger att den varierar med belåningsgraden | 2,59 | 3,24 | 3,55 | 3,65 | 3,75 | 3,85 | – | – | 4 nov 2026, 19.50 |
| Ålandsbanken | 4,00 | 4,30 | 4,60 | 4,70 | 4,65 | 4,75 | 4,95 | 5,25 | 4 nov 2026, 19.50 |
| Stabelofärdigförhandlad ränta – samma för alla enligt Stabelo | 2,66 | 3,18 | 3,57 | 3,68 | – | 3,95 | – | 4,15 | 4 nov 2026, 19.50 |
Could not be read today: Danske Bank (sidan visar inte räntorna utan inloggning eller i ett format vi inte läser ännu), Skandia (sidan svarade 403), ICA Banken (sidan svarade 403), Hypoteket (sidan visar inte räntorna utan inloggning eller i ett format vi inte läser ännu), Bluestep (sidan visar inte räntorna utan inloggning eller i ett format vi inte läser ännu). Avanza and Nordnet show no mortgage rates on their pages.
Your monthly cost at each lender
- Landshypotek4 533 kr/mån2,59 %
- Stabelo4 655 kr/mån2,66 %
- SBAB5 513 kr/mån3,15 %
- Swedbank6 808 kr/mån3,89 %
- Handelsbanken6 895 kr/mån3,94 %
- SEB6 895 kr/mån3,94 %
- Nordea6 895 kr/mån3,94 %
- Länsförsäkringar6 895 kr/mån3,94 %
- Ålandsbanken7 000 kr/mån4,00 %
Interest after the tax reduction (30 %) at the lender's 3-month list rate. Amortisation comes on top. The list rate is the starting point – most borrowers get less, see the average rate.
The average rate – what customers actually pay
Each month the lenders publish their average rate on new loans. The month is in the last column.
| Lender | 3 mo | 1 yr | 2 yrs | 3 yrs | 4 yrs | 5 yrs | 7 yrs | 10 yrs | Month |
|---|---|---|---|---|---|---|---|---|---|
| Swedbank | 2,68 | 3,08 | 3,47 | 3,34 | 3,69 | 3,75 | 3,80 | 3,99 | oktober 2026 |
| Handelsbanken | 2,70 | 3,12 | 3,48 | 3,44 | – | 3,81 | – | 4,12 | senaste månaden (enligt banken) |
| SEB | 2,66 | – | – | – | – | – | – | – | september |
| Länsförsäkringar | 2,71 | 3,11 | 3,59 | 3,71 | 3,98 | 3,90 | – | – | september 2026 |
| Stabelo | 2,74 | 2,99 | 3,25 | 3,37 | – | 3,50 | – | – | sept 2026 |
Compare lenders
Green mortgages, discounts, loan-to-value and fees – in the lender's own words and the day we read them. Pick two or three.
Green mortgage: 2,50 % (3 mo, the lender's page)
- Not stated on the lender's page.
From sbab.se, read 4 nov 2026, 19.49
- Not stated on the lender's page.
From swedbank.se, read 4 nov 2026, 19.49
- Not stated on the lender's page.
From handelsbanken.se, read 4 nov 2026, 19.49
- Not stated on the lender's page.
From seb.se, read 4 nov 2026, 19.49
- Not stated on the lender's page.
From nordea.se, read 4 nov 2026, 19.50
- Not stated on the lender's page.
From lansforsakringar.se, read 4 nov 2026, 19.50
- Not stated on the lender's page.
From landshypotek.se, read 4 nov 2026, 19.50
- Not stated on the lender's page.
From alandsbanken.se, read 4 nov 2026, 19.50
- Not stated on the lender's page.
From stabelo.se, read 4 nov 2026, 19.50
Metrohem arranges no loans and is paid nothing by the lenders. Always read the terms at the lender. Learn more in Bolåneskolan.