Stats › Global markets and exchanges › Swedish LTV cap
Sweden's mortgage cap stopped being 85 per cent on 1 April 2026 and became a statutory 90 per cent
| Rule | Before 1 April 2026 | From 1 April 2026 |
|---|---|---|
| Loan to value on purchase | 85 per cent, a general guideline that borrowing should be limited | 90 per cent, a statutory limit that may not be exceeded |
| Additional borrowing | no separate limit | 80 per cent |
| Mortgage equity withdrawal | no separate limit | 80 per cent |
| Amortisation above 4.5 times gross income | extra 1 per cent a year, from 1 March 2018 | removed |
| Amortisation by loan to value band | 1 per cent above 50 up to 70, 2 per cent above 70 | unchanged |
| Debt service to income cap | none | none |
| Maturity cap | none | none |
| Speed limit or exemption allowance | none | none |
The old rules are FFFS 2010:2, FFFS 2016:33, FFFS 2016:16 and FFFS 2017:23. The new rule is lag 2026:226, whose text reads that the loan to value ratio may not exceed 90 per cent when a residential mortgage loan is granted for the acquisition of a property.
The 85 per cent loan to value limit that stood from October 2010 was repealed on 31 March 2026. From 1 April 2026 a statute sets 90 per cent for purchases, 80 per cent for additional borrowing and equity withdrawal, and the income multiple amortisation rule is gone.
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