Sweden Mortgage Calculator
Your loan
Pre-filled estimate: central-bank rate 1,75% plus a typical lender margin. Replace it with your lender's offer.
- Principal & interest9 308 kr
Upfront costs
- Down payment525 000 kr
- Stamp duty%52 500 kr
- Registration fees%70 000 kr
- Cash needed at purchase647 500 kr
What if interest rates change?
Your payment today is just the start. See how it could move if rates go up or down during your loan.
Range: 2,71% to 2,99% · The rate resets once a year.
Likely range of your monthly payment
- Most likely
- 80% of outcomes
- Middle 50% of outcomes
- If today's rate holds
In 8 out of 10 simulated futures, you pay between 2 562 849 kr and 2 660 623 kr in total interest (today's rate: 2 609 850 kr).
| Scenario | Avg. monthly | Highest monthly | Total interest | vs. today |
|---|---|---|---|---|
| Rate stays at 2,85% | 9 308 kr | 9 308 kr | 2 609 850 kr | — |
| Drops to 2,71% at first reset | 9 063 kr | 9 308 kr | 2 462 832 kr | ▼ −147 018 kr |
| Rises to 2,99% at first reset | 9 556 kr | 9 561 kr | 2 758 840 kr | ▲ +148 990 kr |
| Climbs steadily to 2,99% | 9 396 kr | 9 447 kr | 2 662 478 kr | ▲ +52 628 kr |
| Falls steadily to 2,71% | 9 221 kr | 9 308 kr | 2 557 625 kr | ▼ −52 224 kr |
| Spikes to 2,99% for 3 years | 9 334 kr | 9 561 kr | 2 625 174 kr | ▲ +15 324 kr |
Based on 600 simulated rate paths that drift randomly within your range and tend back toward today's rate. This is an illustration, not a forecast.
Loan balance over time
- Remaining balance
- Interest paid (cumulative)
- Principal paid (cumulative)
Interest rates in Sweden
Monthly averages. Sources: Bank for International Settlements
Shows the central-bank policy rate. Mortgage rates are usually higher.
Buying a home in Sweden: rules and costs
- Most Swedish mortgages have a variable (3-month) rate.
- Buyers pay 1.5% title registration (lagfart) and 2% on new mortgage deeds (pantbrev).
- Amortization requirement: 2% of the loan a year above 70% loan-to-value, 1% between 50% and 70%.
Sources: Finansinspektionen · Rules last reviewed 2026-10.
Frequently asked questions
How is the monthly mortgage payment calculated?
For an equal-payment loan, the payment is P × i × (1 + i)^n ÷ ((1 + i)^n − 1), where P is the loan amount, i the monthly interest rate and n the number of months. Taxes, insurance and fees are added on top.
What is the current average mortgage rate in Sweden?
Sweden does not publish an official average mortgage rate that we can track. Ask several lenders for quotes and enter the rate in the calculator.
How much does a 1-point rate rise change my payment?
On a 2 975 000 kr loan over 50 years, going from 2,85% to 3,85% raises the monthly payment from 9 308 kr to 11 181 kr — about 1 873 kr more each month.
What upfront costs should I budget for in Sweden?
On a 3 500 000 kr purchase, expect about 122 500 kr in taxes and fees on top of your down payment. The breakdown is shown in the calculator above.
Can this calculator predict future interest rates?
No. The scenario tool shows a range of possible outcomes based on the band you choose. Nobody can predict rates reliably — use it to check whether you could still afford the loan if rates rise.