Mortgage Calculator 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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This tool helps you compare mortgage loan options available in Sweden. The table above presents various financial providers, their loan amounts, interest rates, and repayment terms. Use this information to find a mortgage that suits your financial needs as an expat.

Understanding mortgage terms and conditions is crucial for long-term financial planning in Sweden. When considering a mortgage, pay close attention to the effective annual interest rate (effektiv årsränta), which includes all fees and charges, providing a more accurate cost of the loan than the nominal interest rate alone. Look at the minimum and maximum loan amounts, repayment periods (measured in years or months), and any associated fees like origination fees (uppläggningsavgift) or statement fees (aviseringsavgift).

The providers listed offer a range of mortgage products. Some specialize in higher loan amounts, suitable for property purchases, while others may offer more flexible terms for smaller amounts. For instance, Marginalen Bank and Trygga offer higher maximum loan amounts, while Klicklån and Enkelfinans also provide options for significant borrowing. Always verify the specific terms directly with the provider as advertised rates and conditions can change.

Key Mortgage Considerations for Expats in Sweden

  • Effective Interest Rate (Effektiv årsränta): This is the most important figure for comparing loan costs. It reflects the total cost of borrowing, including interest and fees.
  • Loan Amount: Ensure the provider offers the amount you need for your property purchase or renovation.
  • Repayment Period: A longer period means lower monthly payments but a higher total interest cost. A shorter period increases monthly payments but reduces overall interest paid.
  • Fixed vs. Variable Interest Rates: Variable rates can fluctuate, potentially lowering or increasing your monthly payments. Fixed rates offer predictability. Most examples shown are variable.
  • Fees: Understand all associated costs, such as origination fees, monthly statement fees, and any early repayment penalties.
  • Eligibility Criteria: As an expat, you may need to meet specific requirements related to your residency status, income, and credit history in Sweden.

For instance, a mortgage example from Marginalen Bank shows a loan of 100,000 SEK with a variable rate of 7.98% over 8 years, resulting in an effective rate of 8.49%. This includes a small statement fee. Conversely, providers like Daypay and SMSpengar offer credit lines with significantly higher effective rates but are designed for smaller, short-term needs, not typical residential mortgages. It is essential to differentiate between the types of loans presented; this tool includes various loan types available in Sweden, not exclusively mortgages.

When applying, be prepared to provide documentation such as proof of income, identification, and possibly information about your employment status and residence permit. Some providers, like Enkelfinans and Trygga, accept remarks on your credit application, which might be helpful if you have specific circumstances to explain. Providers like Credifi and Lumify offer a ‘first loan free’ promotion, though this is unlikely to apply to substantial mortgage amounts.

Understanding Swedish Credit Regulations

Consumer credit in Sweden is regulated by strict laws to protect borrowers. The ‘Konsumentkreditlagen’ (Consumer Credit Act) mandates that lenders provide clear and accurate information about loan terms, including the effective annual interest rate. It is also a requirement for lenders to assess the borrower’s creditworthiness before approving a loan to prevent over-indebtedness.

As an expat, ensure you understand your rights and obligations under Swedish law. The Konsumentverket (Swedish Consumer Agency) provides resources, although they are primarily in Swedish. Understanding terms like ‘amortering‘ (repayment of principal), ‘ränta‘ (interest), and ‘avgifter‘ (fees) is fundamental.

Making an Informed Decision

Using this mortgage calculator tool allows you to compare diverse loan offers side-by-side. Focus on the ‘effektiv årsränta‘ to get a clear picture of the total cost. Consider your personal financial situation, including your income stability, other debts, and how long you plan to stay in Sweden, when choosing a repayment term.

Remember that the rates and examples provided are illustrative. The actual interest rate you are offered will depend on your individual credit assessment. Always read the full terms and conditions before signing any loan agreement.

For more information on financial products available to expats in Sweden, explore our Countries Hub. You can also learn more about different loan types. For other loan options in Sweden, see all loan types in Sweden.

This content is for informational purposes only and does not constitute financial advice. LoanExpat.com does not guarantee loan approval. Always consult with a qualified financial advisor for personalized advice.

What is the 'effective annual interest rate' (effektiv årsränta) in Sweden?

The effective annual interest rate (EAR) includes the nominal interest rate plus all mandatory fees and charges associated with the loan. It provides a more accurate representation of the total cost of borrowing compared to the nominal rate alone.

What documents are typically required for a mortgage application in Sweden as an expat?

Expats typically need to provide identification (passport), proof of income (payslips, employment contract), proof of address in Sweden, and potentially a residence permit. Lenders will also assess your credit history in Sweden.

Can I get a mortgage in Sweden if I have only lived here for a short time?

It can be more challenging to secure a mortgage with a short credit history in Sweden. Some lenders may require you to have been a resident or employed in Sweden for a minimum period. Building a positive credit history is essential.

What is the difference between a loan from Marginalen Bank and Daypay in Sweden?

Marginalen Bank offers loans with higher maximum amounts and potentially lower interest rates suitable for mortgages or larger purchases. Daypay, on the other hand, offers smaller, short-term loans with significantly higher effective interest rates, more akin to payday loans.

Are there specific mortgage loan providers for expats in Sweden?

While many providers offer loans to residents regardless of nationality, some may have specific programs or requirements for expats. It is advisable to compare offers from various lenders and ensure you meet their eligibility criteria. Consider specialist mortgage brokers who assist expats.

Last updated: 22. June 2026

This calculator provides an estimate only. Actual terms depend on the lender and your credit assessment.

Estimated monthly payment: SEK 0