Swedish banks are increasing mortgage rates in a continuous wave of adjustments, according to reports from Swedish media outlets. Robert Boije, chief economist at state-owned mortgage bank SBAB, stated that the optimal time for homeowners to lock in their mortgage rates was over a week ago, before the widespread rate hikes began. 'The best would of course have been if one locked in over a week ago, before all banks raised,' Boije was quoted as saying.
The reports indicate that major mortgage actors have raised their fixed mortgage rates in recent weeks, with several large banks now also adjusting their variable rates. 15 percentage points as recently as the morning of March 30, 2026. The timing of these rate increases suggests that homeowners who haven't already secured fixed rates may have missed the most favorable window, according to the economist's assessment.
The best would of course have been if one locked in over a week ago, before all banks raised