Green mortgage

• Your home must be a house or holiday home in energy class A or B. The energy declaration must have been made after 2014 and be registered with Boverket. The green mortgage is not available for apartments.
• You and any co-applicants must live and be registered in Sweden, and earn income in Swedish kronor.
• You and any co-borrower must pass Hypoteket’s assessment of your ability to repay. You can borrow up to 65% of the home’s value. Your total debts, including the proposed mortgage, may be no more than six times your annual income before tax.
• At least one owner of the house must be a borrower. Every owner must sign to approve using the property as security, even if they are not borrowing.
• Commercial properties, including rental properties, and agricultural properties are excluded.
• If you move your mortgage to Hypoteket, you must transfer the whole mortgage. Repaying a fixed-rate loan early may require compensation to your previous lender.

Status

Løbende ansøgning

Apply online to Hypoteket using BankID. Hypoteket checks the Boverket register automatically and applies the green discount if the home qualifies. All borrowers need BankID to sign the loan documents.

For a mortgage transfer, Hypoteket calls you to go through the application. After you sign the documents, it arranges repayment of your mortgage with the previous lender.

If you already have a Hypoteket mortgage, convert it to a green mortgage through Mina Sidor if your home meets the criteria.