Mortgage Loans in Sweden

Showing all 20 offers
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High amount
Marginalen Bank
Loan amount SEK 25,000 – SEK 600,000
Interest from 5.94%
Min. age 20 years
Duration 2–15 years
Payout Varies
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For a loan amount of 100,000 SEK with a variable annual interest rate of 7.98%, an 8-year term (repayment period), an origination fee of SEK 0, and a statement fee of SEK 10 (for direct debit payments), the effective interest rate is 8.49%. The standard monthly payment is SEK 1,423, and the total amount payable is SEK 137,250. This example was calculated on March 23, 2023, assuming that interest rates and fees remain unchanged throughout the entire credit period. Amounts are rounded up to the nearest whole krona. The interest rate is variable and may range from 5.45% to 19.32%, which means that the effective interest rate may range from 5.63% to 22.07%. The effective interest rate is calculated in accordance with the Swedish Consumer Agency’s guidelines.
Accepts remarks
Daypay
Loan amount SEK 1,000 – SEK 20,000
Interest from 26%
Min. age 20 years
Duration 1–60 months
Payout Varies
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Borrow 15,000 SEK for 24 months. Total amount to be repaid: 18,847 SEK, or 785 SEK per month. Fixed annual interest rate: 22%. Effective annual interest rate: 28%. Setup fee: 350 SEK. Total statement fees: 59 SEK.
Accepts remarks
Enkelfinans
Loan amount SEK 5,000 – SEK 600,000
Interest from 5.07%
Min. age 18 years
Duration 1–20 years
Payout Varies
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Calculation example: 12-year annuity loan, amount SEK 400,000, variable interest rate 7.99%, origination fee SEK 400, statement fee SEK 20, resulting in an effective interest rate of 8.41%. Total amount to be repaid: SEK 626,457, spread over 144 payments, resulting in a monthly cost of SEK 4,348. Repayment period: 1–20 years. Maximum interest rate: 22.00%. Interest rate range: 4.50%–22.00%. Updated August 15, 2025.
Accepts remarks
Nstart
Loan amount SEK 30,000 – SEK 490,000
Interest from 22.7%
Min. age 21 years
Duration 2–15 years
Payout Varies
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Calculation example: The interest rate is variable and set on an individual basis. For an annuity loan of 160,000 SEK at a variable interest rate of 22.50% with a repayment period of 11 years, with 132 installments of SEK 3,295 until the cost cap is reached and a setup fee of SEK 588, the effective interest rate totals 25.10%. The total amount to be repaid is SEK 320,000.
Klicklån
Loan amount SEK 10,000 – SEK 40,000
Interest from 12.71%
Min. age 20 years
Duration 12–84 months
Payout Varies
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Representative example: A loan of 45,000 SEK at a fixed interest rate of 24.24% with a repayment term of 84 months, consisting of 84 monthly payments of 1,135 SEK and a 695 SEK origination fee (which is added to the loan) and a 19 SEK administration fee results in a total effective interest rate of 28.73%. The total amount to be repaid is 96,894 SEK.
Accepts remarks
SMSpengar
Loan amount SEK 3,000 – SEK 30,000
Interest from 35.77%
Min. age 18 years
Duration 6–999 months
Payout Varies
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Credit utilized: 20,000 SEK, to be repaid over 12 months at 2,021 SEK/month. Setup fee: 420 SEK, monthly fee: 100 SEK/month. Total amount payable: SEK 24,253. Effective interest rate: 41.82%. Nominal variable interest rate: 20% + reference rate (currently 22% in total). The card can only be used for purchases.
High amount
Trygga
Loan amount SEK 5,000 – SEK 800,000
Interest from 5.07%
Min. age 18 years
Duration 1–20 years
Payout Varies
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Example: The interest rate is variable and set on an individual basis. For an annuity loan of SEK 100,000, a 12-year repayment period, a nominal interest rate of 8.3%, an initial fee of SEK 495, and a statement fee of SEK 0, the effective interest rate is 8.73%. Total cost: SEK 158,252 or SEK 1,099/month spread over 144 payments. Individual interest rate 4.95%–22.95% (effective interest rate 5.07%–26.5%). Repayment period 1–20 years. Your application will be sent to lenders that match your profile. (March 1, 2025)
First loan free
Credifi
Loan amount SEK 2,000 – SEK 200,000
Interest from 25.14%
Min. age 18 years
Duration 3–92 months
Payout Varies
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A loan of 20,000 SEK at a 22% interest rate with a repayment period of fifteen months (with fifteen payments of 2,957 SEK, 1,880 SEK, 1,854 SEK, 1,829 SEK, SEK 1,803, SEK 1,777, SEK 1,752, SEK 1,726, SEK 1,700, SEK 1,674, SEK 1,649, SEK 1,623, SEK 1,597, 1,572 SEK, and 1,546 SEK) plus a 588 SEK origination fee, a 2,435 SEK service fee for the installment plan, and 855 SEK in statement fees results in an effective interest rate of 66.01%. The total amount to be repaid is 26,939 SEK. The term of the credit and the associated costs may change if the credit limit is increased.
Accepts remarks
Flexkontot
Loan amount SEK 3,000 – SEK 30,000
Interest from 36.4%
Min. age 21 years
Duration 9–61 months
Payout Varies
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All other product features remain unchanged, as do our requirements for customers. New representative example: The loan has a 21.95% nominal variable annual interest rate, a 575 SEK origination fee, and a 39 SEK monthly administration fee. An example loan of SEK 20,000, repaid at SEK 1,964 per month over 12 months, has an effective annual interest rate of 36.4%. This results in a total cost of the loan of SEK 3,568.
High amount
Coop Bank
Loan amount SEK 15,000 – SEK 500,000
Interest from 5.33%
Min. age 20 years
Duration 2–15 years
Payout Varies
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At a variable interest rate of 7.35%, the effective annual interest rate is 7.60% for an annuity loan of 155,000 SEK with a 10-year repayment period, including a total of 120 payments, a setup fee of SEK 0, and a statement fee of SEK 0 with automatic debit. Assuming the interest rate and statement fee remain unchanged, the total amount to be repaid is SEK 219,693 and the monthly cost is SEK 1,838.
High amount
Enklare
Loan amount SEK 5,000 – SEK 800,000
Interest from 5.07%
Min. age 20 years
Duration 1–20 years
Payout Varies
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12-year annuity loan, amount SEK 400,000, variable interest rate 7.99%, origination fee SEK 400, statement fee SEK 20, resulting in an effective interest rate of 8.41%. Total amount to be repaid: SEK 626,457, spread over 144 payments, resulting in a monthly cost of SEK 4,348. Repayment period: 1–20 years. Maximum interest rate: 23.00%. Interest rate range: 4.95%–23.00%. Updated March 1, 2025
Accepts remarks
Saldo Bank Kontokredit
Loan amount SEK 5,000 – SEK 40,000
Interest from 30.04%
Min. age 18 years
Duration 5–30 month
Payout Varies
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For a credit amount of 5,000 SEK with a fixed nominal interest rate of 39.5% for 12 months, the total amount to be repaid is 6,672.89 SEK (556.07 SEK per month), which corresponds to an effective annual interest rate of: 74.4%.
First loan free
Lumify
Loan amount SEK 2,000 – SEK 200,000
Interest from 25.14%
Min. age 18 years
Duration 4–92 months
Payout Varies
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A loan of 20,000 SEK at a 22% interest rate with a repayment period of fifteen months (with fifteen payments of 2,957 SEK, 1,880 SEK, 1,854 SEK, 1,829 SEK, SEK 1,803, SEK 1,777, SEK 1,752, SEK 1,726, SEK 1,700, SEK 1,674, SEK 1,649, SEK 1,623, SEK 1,597, 1,572 SEK, and 1,546 SEK) plus a 588 SEK origination fee, a 2,435 SEK service fee for the installment plan, and 855 SEK in statement fees results in an effective interest rate of 66.01%. The total amount to be repaid is 26,939 SEK. The term of the credit and the associated costs may change if the credit limit is increased.
Accepts remarks
Klara Lån
Loan amount SEK 2,000 – SEK 150,000
Interest from 11%
Min. age 18 years
Duration 1–96 month
Payout Varies
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Calculation example: The interest rate is variable and set on an individual basis. A loan of 30,000 SEK at a nominal interest rate of 23 percent with a repayment period of 24 months, with 24 monthly payments of 1,610 SEK, a 350 SEK origination fee, and a 39 SEK statement fee, results in an effective interest rate of 30.38 percent. The total amount to be repaid is 38,995 SEK, updated on February 27, 2025.
First loan free
Binly
Loan amount SEK 2,000 – SEK 200,000
Interest from 68.52%
Min. age 18 years
Duration 4–19 months
Payout Varies
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A loan of 20,000 SEK at a 22% interest rate with a repayment period of fifteen months (with fifteen payments of 2,957 SEK, 1,880 SEK, 1,854 SEK, 1,829 SEK, SEK 1,803, SEK 1,777, SEK 1,752, SEK 1,726, SEK 1,700, SEK 1,674, SEK 1,649, SEK 1,623, SEK 1,597, 1,572 SEK, and 1,546 SEK) plus a 588 SEK origination fee, a 2,435 SEK service fee for the installment plan, and 855 SEK in statement fees results in an effective interest rate of 66.01%. The total amount to be repaid is 26,939 SEK. The term of the credit and the associated costs may change if the credit limit is increased.
Accepts remarks
Fairlo
Loan amount SEK 10,000 – SEK 70,000
Interest from 23.99%
Min. age 20 years
Duration 1–72 months
Payout Varies
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With a monthly payment of 2,881 SEK for 12 months, the effective interest rate is 30.6% and the total amount to be repaid is 34,566 SEK.
Accepts remarks
Ferratum
Loan amount SEK 1,000 – SEK 45,000
Interest from 54.05%
Min. age 21 years
Duration 4–46 months
Payout Varies
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If a loan of 20,000 SEK is taken out and repaid in 12 monthly installments of [1. 2,383.33 SEK, 2. 2,323.61 SEK, 3. 2,263.89 SEK, 4. 2,204.17 SEK, 5. 2,144.44 SEK, 6. 2,084.72 SEK, 7. 2,025.00 SEK, 8. 1,965.28 SEK, 9. 1,905.56 SEK, 10. 1,845.83 SEK, 11. 1,786.11 SEK, 12. 1,726.39 SEK], the effective interest rate is 52.57% and the variable nominal annual interest rate is 42.999993%. The loan has no additional costs, and the total amount to be repaid is 24,658.33 SEK. The term of the credit agreement is indefinite. This example is based on the assumption that the loan is repaid in 12 equal principal installments. The example is based on the assumption that the loan amount is drawn down in a single installment and repaid on time. Borrow responsibly by evaluating your repayment options!
Accepts remarks
Lendo SE
Loan amount SEK 10,000 – SEK 800,000
Interest from 5.07%
Min. age 18 years
Duration 1–15 year
Payout Varies
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Example: 12-year annuity loan. Effective annual interest rate: 9.63%. A loan of SEK 200,000 would then cost SEK 2,302/month (144 installments), for a total of SEK 331,495. No origination or processing fees. 9.23% nominal interest rate (variable rate, set individually based on your circumstances). Your application will be sent to the lenders that best match your profile, updated January 9, 2025.
Accepts remarks
Loanstep
Loan amount SEK 10,000 – SEK 50,000
Interest from 27%
Min. age 18 years
Duration 54–76 months
Payout Varies
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A loan of 25,588 Swedish kronor taken out on May 6, 2025, at a variable interest rate of 19.95 percent with a repayment term of 72 months results in 72 monthly payments of approximately 665 kronor, a 588-krona origination fee, and a 49-krona monthly administration fee. This results in an effective interest rate of 26.96 percent, and the total amount to be repaid is 48,440.33 kronor.
First loan free
Tomly
Loan amount SEK 2,000 – SEK 200,000
Interest from 68.52%
Min. age 18 years
Duration 4–19 months
Payout Varies
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A loan of 20,000 SEK at a 22% interest rate with a repayment period of fifteen months (with fifteen payments of 2,957 SEK, 1,880 SEK, 1,854 SEK, 1,829 SEK, SEK 1,803, SEK 1,777, SEK 1,752, SEK 1,726, SEK 1,700, SEK 1,674, SEK 1,649, SEK 1,623, SEK 1,597, 1,572 SEK, and 1,546 SEK) plus a 588 SEK origination fee, a 2,435 SEK service fee for the installment plan, and 855 SEK in statement fees results in an effective interest rate of 66.01%. The total amount to be repaid is 26,939 SEK. The term of the credit and the associated costs may change if the credit limit is increased.
Borrowing costs money. Borrowing costs money. If you cannot repay on time, it may affect your credit record and make future borrowing more difficult. Always compare the total cost of credit before applying.
All offers shown
Marginalen Bank
Recommended: Marginalen Bank Borrow up to SEK 600,000 with interest rates from 5.94%.
Apply Now

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Securing a mortgage loan in Sweden as an expat requires understanding the market and lender requirements. This page provides factual information to help you compare available mortgage loan options. The comparison grid above allows you to view key features like loan amounts, repayment terms, and interest rates from various providers operating in Sweden.

Swedish mortgage loans typically involve significant amounts, often used for property purchases. Lenders consider various factors when assessing an expat’s application, including residency status, income stability, and credit history within Sweden or internationally. It is crucial to review the specific criteria of each provider listed. Loan terms can vary considerably, from a few years up to 30 years for some traditional mortgages, though the providers listed here often focus on shorter-term loans or specific types of financing. The providers shown offer loans denominated in Swedish Krona (SEK).

Mortgage loan amounts in Sweden can be substantial. Some lenders, like Marginalen Bank and Trygga, offer high loan amounts up to 600,000 SEK or 800,000 SEK respectively. These are suitable for significant property investments or home financing. Other providers, such as Daypay and Klicklån, offer smaller amounts, more aligned with personal loans rather than traditional mortgages. Ensure the loan amount you require aligns with the provider’s offerings.

Repayment periods also differ. While traditional mortgages can extend for decades, the loan products accessible through this comparison often have shorter terms, measured in years or months. For instance, Marginalen Bank offers terms up to 15 years, while Enkelfinans and Trygga provide up to 20 years. Shorter-term lenders like Daypay offer repayment periods in months, up to 60 months. Klara Lån has a maximum term of 96 months, and Fairlo up to 72 months. Understanding your repayment capacity is key when selecting a loan term.

Interest rates on mortgage loans in Sweden are influenced by the central bank’s policy rate and market conditions. Providers will offer rates based on individual credit assessments. The providers listed present a range of minimum and effective interest rates. For example, Enkelfinans and Trygga show competitive minimum effective rates around 5.07%. Coop Bank offers competitive rates starting at 5.33% effective. Marginalen Bank has minimum effective rates around 5.94%. It is vital to check the specific interest rate applicable to your situation, as advertised rates are often minimums and can vary significantly.

Key Considerations for Expats Seeking Mortgage Loans in Sweden:

  • Residency and Work Permit Status: Lenders will require proof of legal residency and work authorization in Sweden.
  • Income Verification: Stable and verifiable income is essential. Some lenders may require a certain employment duration in Sweden.
  • Credit History: A Swedish credit check (UC) is standard. If you are new to Sweden, some lenders may consider international credit history, but this is not always the case.
  • Down Payment: For traditional mortgage loans, a significant down payment (kontantinsats) is usually required, typically at least 15% of the property value, plus associated purchase costs. The loans listed here may not be direct property mortgages; some are for larger purchases or debt consolidation that could indirectly assist with property financing.
  • Fees: Be aware of potential origination fees (uppläggningsavgift), statement fees (aviseringsavgift), and other charges that impact the total cost of the loan. The effective interest rate (effektiv ränta) provides a more accurate picture of the total cost, including fees.

Understanding Different Loan Types:

The providers listed offer a variety of loan products. While some, like Marginalen Bank, Coop Bank, Enkelfinans, Trygga, and Enklare, offer higher loan amounts that might be considered for property-related financing, others specialize in smaller, shorter-term loans. For instance, providers like Daypay, Klicklån, and SMSpengar offer loans more akin to personal or short-term financing, not typically used for substantial real estate purchases. It’s important to distinguish between these. For direct comparison of all loan types available to expats in Sweden, explore loan comparison in Sweden.

For expats looking for property financing specifically, traditional Swedish banks are the primary source for standard mortgage loans (bolån). The lenders presented here might offer alternative solutions such as personal loans for renovations, bridging loans, or general debt consolidation that could indirectly help manage property-related finances. If you are interested in other types of credit products available in Sweden, you can find information on loan options by country.

When seeking financing for property in Sweden, consult with established Swedish banks as well as the providers listed for options that best fit your specific needs. Always read the full loan agreement carefully before signing.

This information is for guidance only and does not constitute financial advice. Loan approval is subject to individual lender assessment.

What is the minimum loan amount for a mortgage in Sweden?

The minimum loan amounts vary by provider. For options that might be considered for property-related financing, providers like Enkelfinans and Trygga start from 5,000 SEK. However, traditional mortgage loans from banks typically have higher minimums tailored to property values.

Can expats get mortgage loans in Sweden?

Yes, expats can obtain mortgage loans in Sweden, but requirements are stringent. Lenders assess residency status, proof of income, and credit history. It is often easier for those who have resided and worked in Sweden for a defined period.

What is the maximum loan amount available for expats in Sweden?

Some providers, like Marginalen Bank, Trygga, and Enklare, offer high loan amounts up to 600,000 SEK or 800,000 SEK. For traditional mortgages, loan amounts are typically a percentage of the property's valuation, generally up to 85%.

How long can a mortgage loan term be in Sweden?

While traditional mortgages can have terms of up to 30-40 years, the shorter-term loans listed here, which may be used for property-related expenses, generally range from 1 to 20 years, with some shorter options in months.

What is an 'effective interest rate' (effektiv ränta) in Sweden?

The effective interest rate includes not only the nominal interest rate but also all associated fees and charges (like origination and administration fees) over the loan's duration. It provides a more accurate comparison of the total cost of different loan offers.

Last updated: 22. June 2026