Your Personal Finances 2026

The Right Mortgage = Better Prospects

2025 is, scarily enough, coming to an end, and for those who like to plan, November is a time to pause and review their finances for the year ahead. Now is your chance to create security for the new year – not least by ensuring your mortgage is adapted to your needs and future plans.

The Riksbank (Sweden's central bank), after its latest announcement in September, has clearly signaled its belief that the policy rate will remain at the current level for a while. This means that the interest rate climate will likely remain at current levels, but also that it is wise to think strategically about your situation moving forward. Should you fix your rate to create predictability – or leave it variable to maintain flexibility if the market changes, knowing that this could mean both ups and downs?

• A fixed-rate loan gives you security in the form of fixed costs, which can be extra valuable if you want to plan long-term and dislike negative surprises in your daily finances.
• A variable-rate loan, on the other hand, can give you greater freedom and the opportunity to benefit from future rate cuts – but can also mean your costs could increase quickly and without warning.

Regardless of which option suits you best, it is important to regularly review your loan terms. The market changes, and small adjustments can make a big difference in the long run. Contact your bank; they will gladly help you review your current terms and ensure you have the mortgage that provides the best possible security and balance for 2026.

Take control of your finances and give yourself a stable start to the new year!