Green mortgage
A mortgage interest discount of 0.25 percentage points for households buying or borrowing against a house or tenant-owned apartment with energy class A or B.
Tato příležitost je nyní dostupná v angličtině.
You can receive the discount when buying a qualifying home, moving an existing mortgage to Nordax or converting your current Nordax mortgage. The legal lender is NOBA Bank Group AB (publ). The mortgage is secured against your home and must be repaid with interest.
The discount also applies if your rate is already Nordax’s lowest and lasts while the energy declaration remains valid. When it expires, the ordinary rate applies; a renewed declaration following a new inspection can restore the discount.
Nordax charges a SEK 2,495 setup fee. If you borrow more against your current home, the valuation fee is SEK 1,995. Payment fees are SEK 20 a month by direct debit or SEK 60 by Bankgiro.
Eligibility
- The house or tenant-owned apartment must have energy class A or B in a valid declaration registered with Boverket, issued on or after 1 January 2014. Energy classes run from A to G, with A the most energy efficient. Check your property’s declaration and energy class through Boverket’s search service.
- You must be at least 18, registered as resident in Sweden and pay tax there on your income. The home must be worth at least SEK 200,000, and the minimum mortgage is SEK 150,000. Nordax assesses repayment ability individually, including loan, housing and household costs. Permanent employment is not required, and a payment-default record need not prevent approval.
- Loans are in Swedish kronor. Nordax cannot grant a mortgage if your income is in foreign currency. You need an account at another bank for repayments and other mortgage costs.
- For a purchase, the mortgage can cover up to 90% of the home’s value. You must pay at least 10% from your own funds. A transfer without additional borrowing can also reach 90%; after an increase, the total mortgage is limited to 80% of the home’s value. Nordax notes that revaluations are restricted to every five years, which can limit additional borrowing. The amount and base interest rate depend on your financial assessment.
How to apply
- Stav
- Průběžně otevřené
For a purchase or mortgage transfer, submit Nordax’s ordinary online mortgage application. Nordax checks the energy class automatically. It takes a credit inquiry and a mortgage specialist contacts you about your application. If you accept a transfer offer, Nordax repays the old lender and moves the mortgage.
If you already have a Nordax mortgage, log in to Mina sidor and send a message asking to convert it to a green mortgage.