The Mortgage Market 2025

2024 was a positive year for homeowners in Sweden. The Riksbank has delivered announcement after announcement about rate cuts, and borrowers have read extensively in the media about the ongoing interest rate war, which is expected to continue for some time.

The question on many people's minds: what will happen in 2025?

No one can predict exactly how interest rates will develop in 2025, but several Swedish institutions have now shared their expectations. The government is the least optimistic, estimating that the key interest rate will be around 2.57% by the end of the year, while the National Institute of Economic Research predicts 1.75%—almost a 1% difference. If we turn to the major banks instead, they forecast rates landing somewhere between 2% and 2.25%. Regardless, it seems the market expects rate cuts, which will hopefully have a positive effect on the Swedish housing market.

At Söderberg & Partners Mortgages, we are ready for a market that moves closer to the one we saw a few years ago, even though no one expects interest rates to drop below 1% for a long time. For customers who want to discuss and learn more about fixed interest rates and their developments, we welcome them to contact us to speak with one of our colleagues—we are ready to help customers navigate the "interest rate jungle."

Contact Söderberg & Partners Mortgages

Are you curious about the unique benefits that Söderberg & Partners Mortgages offers to Notar customers? Read more here!

+46 (0)8-466 80 40 | notar@soderbergpartners.se
Stureplan 8 · 114 35 Stockholm, Sweden
www.soderbergpartners.se/bolan