Property
Sweden — Property: Mortgage Availability
Swedish mortgages are capped at 85% of home value and must amortise 1% a year above 50% loan-to-value and 2% above 70%.
VerifiedGovernment / official sourceFinansinspektionen — The Swedish Mortgage MarketLast reviewed: 2026-10-23
Key facts
- The mortgage cap limits a loan to at most 85% of the value of the home.
- Mortgages above 50% loan-to-value must amortise at least 1% a year; above 70%, at least 2% a year.
- A borrower above 70% loan-to-value and above 450% loan-to-income amortises 3% a year.
- Sources run 2019 to 2025, so check the current FI rules.
Steps
- Determine Creditworthiness — Apply for a pre-approval from a bank to understand the available mortgage options and how much you can borrow.
- Gather Documentation — Collect necessary documents such as bank statements, proof of employment, and financial statements.