Time for Spring Cleaning - Even for Your Mortgage!

War, Covid, and inflation - the past few years have been a rollercoaster for almost the entire world. Household finances are no exception, as global events leave their mark. 2025 has proven to be no different. The U.S. has a new president, Donald Trump. Since his first day in the White House in January, he has made headlines almost every morning, unfortunately without a clear winner - mainly a lot of losers.

The interest rate market has followed every crisis, quite predictably. In 2024, the central bank managed a total of 5 (!!!) rate cuts, which really boosted the economy and strengthened household optimism. So far in 2025, there has been one rate cut, and according to the central bank, we can expect an unchanged interest rate for the coming years, possibly all the way until 2028.

Europe undeniably seems surrounded by a touch of madness at the moment, but there is a lot of positivity—despite everything. The Swedish krona has recovered and is now stronger than it has been in several years—a piece of good news for Swedes looking to travel this summer.

The million-dollar question: what happens with interest rates now? The central bank's analysts predict an unchanged rate until 2028, but it's important to keep in mind that their analysis doesn’t account for new crises. What we do know for certain is that we absolutely don’t know what the market will look like in 2028—but we can observe trends. At the moment, we see an apparently stabilized interest rate, and homeowners or borrowers should consider whether they prioritize long-term stability and predictability or are willing to risk significant increases for potentially the lowest rate.

What Should Borrowers or Future Borrowers Consider?

• Consider what matters most to you—predictability or a more risk-taking approach with variable rates? Only the customer can answer that.
• You can extend your loan if, for example, you need to renovate or want to make changes to your home.
• Should I compare my loan with competitors? It’s always useful to review your personal finances.

Want to talk more about mortgages? Feel free to contact us at Söderberg & Partners Bolån, 08-466 80 40.