Is your rate good? The average right now
The average rate on new mortgages was 2.86 percent in August 2026. Enter your rate and your loan and see what the gap to the average means in kronor every month.
Updated: August 2026
average rate on new mortgages, August 2026
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The stress rate: how the bank tests you
When the bank assesses whether you can carry the loan, it uses a stress rate well above the rate you are offered. It is derived like this: the average rate 2.86 percent plus 3 percentage points, floored at 6 percent, rounded to a whole percent. Right now that makes the stress rate 6 percent.
What is a good mortgage rate right now?
The average rate on new mortgages was 2.86 percent in August 2026. If yours is below that, you have a good rate. Compare with the average rather than the bank's list rate: the list rate is an opening offer and most borrowers pay less.
What is the stress rate?
The rate the bank uses when it tests whether you can carry the loan. It sits several percentage points above the rate you are offered, currently around 6 percent. If your finances handle the stress rate, they also handle a rate rise.
Why do households pay different rates?
The rate is set individually based on loan-to-value, income and how much other business you bring the bank. Two households buying the same home can pay different rates. That makes the average the honest benchmark, and it is often a starting point for negotiating.
How often is the average updated?
Statistics Sweden publishes it monthly, about a month in arrears. This page shows the most recently published month.
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