Knowledge base
Understand the home deal.
Practical guides, rules and worked examples for the whole home journey — whether you're buying, renting or swapping.
62 articles
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61- Buying a home
Housing glossary: buying, renting and swapping terms
Housing concepts for buying, renting and swapping: money, law, bidding, tenure and associations. A fast reference with short straight explanations.
9 min18 sep - Buying a home
Closed bidding: how it works
In closed bidding everyone submits a secret bid by a deadline, and the seller picks. The rules and how to set your bid.
3 min18 sep - Buying a home
Buying new builds: what to know before signing
New builds are not the same as finished homes. Preliminary and transfer agreements, association finances, construction interest and delays.
6 min18 sep - Buying a home
Buying a holiday home: 7 things to consider
Holiday-home finances and pitfalls differ from ordinary purchases: water, sewage, roads, loans and running costs. Seven things to check before striking.
6 min18 sep - Selling a home
Home styling: cost and what it returns at sale
Home styling costs from 1,500 kr for advice to 30,000 kr or more for full furnishing, and is deductible. What each level returns.
7 min18 sep - Law
Disclaimer clauses: selling without hidden-defects liability?
A disclaimer can remove the seller’s ten-year hidden-defects liability, but not for defects you knew about. How it is written and what it costs in price.
4 min18 sep - Buying a home
Energy certificates: cost and who is responsible
Energy certificates are required selling small houses and last ten years. What they cost, who is responsible, and what the energy class says about running costs.
4 min18 sep - Tenant-owner apartments
Association annual reports: what to check
Buying a tenant-owner apartment buys into the association’s finances. Check debt per sqm, equity, cash flow, maintenance plan and fee-rise risk.
5 min18 sep - Buying a home
Tenant-owner, rental or freehold: the difference
The difference between tenant-owner, rental and freehold, legally, financially and practically, so you search in the right place from the start.
4 min18 sep - Law
Easements when buying a house: rights and duties explained
An easement lets one property use another: road, well, jetty or sewage. Here is how official and agreement easements differ.
4 min18 sep - Law
Joint facilities in Sweden: what you accept as an owner
A house or holiday home often joins shared roads, water or a jetty. Here are share ratios, fees and the questions to ask first.
4 min18 sep - Selling a home
Sell before you buy in 2026: why more sellers sell first
More sellers now sell before they buy. It brings budget calm but raises where to live meanwhile. Here is how to keep the move safe.
3 min18 sep - Renting
End a sublet contract: notice periods and formal rules
Three months notice for a rental apartment, one month for a tenant owner flat or house. How the month turn counts and what your notice must hold.
5 min18 sep - Selling a home
Property listing guide: write a listing that books viewings
Your listing decides who clicks and who books a viewing. Here are photos, headline, facts and price in the order a buyer reads them.
3 min18 sep - Selling a home
Off market home sales explained: how hidden supply works
Some homes never reach the open listings. Others sit as coming soon first. Here is how hidden supply works and how you track it.
7 min18 sep - Renting
Rental apartment without the queue: faster routes home
Long queues block many rentals. Much of the market never passes the municipal queue. Here is how sublets and private landlords get you housed sooner.
3 min18 sep - Buying a home
Find your home before Hemnet lists it: 5 early routes
Many homes sell before the listing goes live. Here are the routes in early: upcoming homes, buyer registers and off market sales.
3 min18 sep - Valuation and prices
Final sale prices: how to track them in your own area
Asking prices show hopes. Final sale prices show what buyers paid. Here is how to track sold prices in your area and read the numbers right.
2 min18 sep - Tenant-owner apartments
Subletting tenant-owner apartments: new 2026 rules
New rules from 1 July 2026: previous lettings weigh lighter, clearer lodger boundary, new Private Letting Act. The grounds requirement stays.
5 min18 sep - Renting
Subletting: permission and rent rules
Second-hand letting almost always needs permission, with different rules for rentals and tenant-owner apartments. Permission, rent and notice.
5 min18 sep - Surveys and defects
House surveys: why you should not skip them
As a buyer you hold the duty to inspect. What a transfer survey is, what the surveyor finds and misses, and what it costs.
4 min18 sep - Surveys and defects
Hidden defects: how long do they last?
Ten years for houses, two years for tenant-owner apartments, counted from moving day. But you must also complain in reasonable time. Both clocks and what to do.
4 min18 sep - Surveys and defects
Hidden defects in tenant-owner apartments: who answers?
Sellers answer for flat defects for two years under the Sale of Goods Act. The association answers for frame, pipes and roof. How to draw the line and complain.
8 min18 sep - Surveys and defects
Hidden defects after purchase: what applies and what you can claim
A hidden defect existed at purchase, could not be found, and breaks what you could expect. How it is judged and what you can claim.
5 min18 sep - Mortgages and money
Bridging loans: buying next before the old one sells
A bridging loan covers the gap moving into the next home before the old one sells. How it works, what it costs, and when it fits.
3 min18 sep - Mortgages and money
Deposit loans: how to manage the ten percent
The deposit is usually ten percent, due at the contract, long before moving day. With money stuck in an unsold home, a deposit loan bridges it.
3 min18 sep - Law
Pantbrev: what it is and what it costs
Pantbrev is the bank’s security in your property. What a pantbrev is, why the bank wants it, and what a new pantbrev costs in stamp duty.
2 min18 sep - Law
Köpeskilling, deposit and settlement
Köpeskilling, deposit and settlement: what the words mean, how money moves from contract to moving day, and what the settlement lists.
4 min18 sep - Valuation and prices
Assessed value: what it is and what it steers
Assessed value should match 75 percent of market value and is set by Skatteverket. How it is calculated, what it steers, and why it is not the price.
3 min18 sep - Mortgages and money
ROT and RUT deductions 2026: how the reliefs work
ROT and RUT cut home-labour prices straight on the invoice. How they differ, who gets them, 2026 levels and ceilings, and ROT at capital gains tax.
4 min18 sep - Selling a home
Declaring a home sale: step by step
Sold a home last year, the deal goes in the return: K5 for houses, K6 for tenant-owner apartments. The records, profit or loss, deferral and common mistakes.
4 min18 sep - Selling a home
Deferring capital gains tax: how to postpone the tax
Selling at a profit and buying new, you can defer capital gains tax, interest-free since 2021. The requirements, ceiling, and when it pays.
4 min18 sep - Selling a home
Capital gains tax on home sales: how to calculate
Capital gains tax is 22 percent of profit: price minus purchase, improvements and selling expenses. How to calculate step by step, even at a loss.
5 min18 sep - Selling a home
What does selling a home cost?
Agent fees, listing, survey, styling and capital gains tax: the whole cost picture selling a home in 2026, with agent and private side by side.
8 min18 sep - Selling a home
Agent or sell privately: what pays off?
Agent fees cost, but the right agent can raise the final price. An honest framework for when private selling pays and when the agent earns it.
6 min18 sep - Selling a home
Selling your home without an agent: step by step
You can sell houses and tenant-owner apartments yourself: value, list, show, negotiate, write contracts and move via the bank. The steps and costs.
11 min18 sep - Buying a home
Buying a house without an agent: doing the deal yourself
You can buy a house straight from the seller. Contracts, title and loans work the same, but inspection and papers are yours. The whole way.
11 min18 sep - Buying a home
Buying your first home: step by step
Start with pre-approval, calculate monthly cost, attend viewings, and set your limit before bidding. The steps in order, with worked examples.
8 min18 sep - Valuation and prices
Paying too much for the home? How to check
Value the home yourself: compare final prices, calculate square-metre price, weigh fee and running costs. How to know what to pay before bidding.
4 min18 sep - Valuation and prices
Valuation vs final price: what is the difference?
Agent valuation, online valuation, asking, accepted, final price: five figures easily mixed up. How to read each right as a buyer.
5 min18 sep - Valuation and prices
How a home is valued: what moves the price
Location, size, condition, floor, association finances and plot decide price. How supply, demand and bidding set the final price.
8 min18 sep - Mortgages and money
Mortgage interest deduction 2026: how much you save
The interest deduction returns 30 percent on interest up to 100,000 kr a year and 21 percent above. How to calculate the deduction and monthly cost.
4 min18 sep - Mortgages and money
Fixed or variable mortgage rate: how to choose
Fixed or variable rate? How they differ, what list and average rates mean, and which questions decide what fits your finances.
3 min18 sep - Mortgages and money
Down payment 2026: new rules cut the requirement to 10%
From 1 April 2026, 10 percent down is enough instead of 15. What the new mortgage rules mean for you as a buyer, in kronor.
3 min18 sep - Mortgages and money
Mortgage pre-approval 2026: how to apply and how much you get
Pre-approval shows how much the bank lends you, is free, and lasts months. How to apply, what the bank checks, and why to have it ready first.
3 min18 sep - Buying a home
The buying process step by step
From pre-approval to moving day: how a home purchase works in Sweden, and where the most common pitfalls sit.
2 min18 sep - Law
Building permits: what needs permission and how to apply
Building permits are needed for new builds, extensions and changed use. Attefall and friggebod need notification or nothing. How to apply and how long it takes.
4 min18 sep - Buying a home
Rent-to-own (hyrköp): how it works
Rent-to-own means renting the home with a right to buy it later. How it works, who it fits, and how it connects to the down payment.
6 min18 sep - Mortgages and money
Amortisation requirement 2026: how much you must pay down
How the 2026 amortisation requirement works: the 1- and 2-percent rules, what loan-to-value means for your payments, the scrapped debt-ratio rule, in kronor.
4 min18 sep - Mortgages and money
Running costs: how to calculate the monthly cost
Listing running costs are often optimistic. What is included: power, heating, water, waste and insurance, and how to check the numbers.
4 min18 sep - Mortgages and money
Green mortgage: which energy class gives a rate discount?
Living energy efficiently can cut your rate. What a green mortgage is, which energy class it takes, and how to think when house-hunting.
3 min18 sep - Law
Law in private home sales: what applies
Selling without an agent, you take on the legal responsibility yourself. The laws, documents and boundaries, from question list to purchase contract.
10 min18 sep - Selling a home
Buy or sell first? How to think right in your home deal
Buy or sell first is one of the hardest choices when moving. The risks, what double housing and bridging loans cost, and the 2026 market.
5 min18 sep - Law
Fastighetsregistret: how to find facts about a home
Fastighetsregistret at Lantmäteriet shows owners, mortgages, easements, boundaries and tax data. How to order an extract and check the listing.
3 min18 sep - Buying a home
Moving checklist: 12 things people forget when moving
Moving checklist step by step: change-of-address, electricity contract, home insurance and moving clean, whether you buy or rent.
5 min18 sep - Buying a home
Bidding: how it works, and how to keep a cool head
How bidding works in Sweden: the rules, how you place bids, what closed bidding means, and a simple bidding strategy that starts with your ceiling.
4 min18 sep - Renting
What is reasonable rent? How to calculate second-hand rent
Reasonable second-hand rent follows utility value for rentals and the Private Letting Act for owned homes. How to calculate, and how to get excess rent back.
4 min18 sep - Buying a home
Floor plans and layouts: how to read the drawing
Floor plan drawing and layout are two different things. How to read symbols, scale and measurements, and why the drawing’s area differs from living area.
4 min18 sep - Law
Lagfart and pantbrev: what do they cost?
Lagfart costs 1.5 percent of the price, new pantbrev 2 percent of the amount, plus filing fees. What they are, when you pay, and examples in kronor.
3 min18 sep - Buying a home
Bidding strategy for buyers: how to win
Bidding is about preparation and nerves as much as money. Concrete tactics for placing bids, setting your ceiling, and winning.
6 min18 sep - Selling a home
Selling your home: how to prepare
Valuation, staging, energy certificate, bidding and contracts. Everything you need to sell privately or with an agent, and what decides the final price.
8 min18 sep
Looking for numbers? See current square-metre prices per municipality.
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