Knowledge base
Mortgages and housing costs: rules and guides
The loan frames everything else. These guides explain what you may borrow and why, which 2026 requirements apply, and what housing actually costs with interest and running costs counted in.
10 guides
Interest
3Mortgage 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 minFixed 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 minGreen 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 min
Loans
2Bridging 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 minDeposit 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 min
Other guides
5ROT and RUT deductions 2026: how the reliefs work
ROT is 30 percent of labour costs, up to SEK 50,000 per person and year. RUT is 50 percent, and ROT and RUT together can’t exceed SEK 75,000. The deduction comes straight off the invoice and covers labour only.
4 minDown 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 minMortgage 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 minAmortisation 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 minRunning 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 min