Green mortgage top-up loan

• You must be an existing mortgage borrower and improve the property securing the loan.
• Stabelo lends on permanent homes, excluding holiday homes. Its mortgage criteria cover tenant-owned apartments (bostadsrätter) and houses classified under property tax code 220, meaning a built-on small-house property. Apartments in a bostadsförening, a different type of housing association, are excluded.
• Eligible improvements include replacement windows; ground-source, air-to-air, exhaust-air and air-to-water heat pumps; mechanical extract ventilation; supply-and-extract ventilation with heat recovery; pellet and wood boilers; solar panels and solar thermal collectors; district-heating substations; roof insulation; combined heating and ventilation systems; and additional façade or attic insulation. Labour and materials can be financed.
• After increasing the mortgage, total borrowing can be up to 80% of the home value used to calculate repayment requirements and borrowing capacity. Stabelo also sets a maximum of six times the household’s combined annual income and SEK 20 million; the amount you can borrow depends on its assessment of your finances.
• The discount lasts for the loan term, or until the home qualifies for the green mortgage discount with energy class A or B. That alternative gives a 0.10 percentage-point discount on the whole mortgage and requires a valid energy performance certificate. You cannot receive both discounts simultaneously.

Status

Open continuously

Apply to increase your mortgage through the partner holding your Stabelo mortgage, or through stabelo.se if you are a direct customer. After completing the investment, email the receipt to bolan@stabelo.se to receive the discount. The receipt must specify the work and the property designation. Stabelo communicates with borrowers and those providing security in Swedish.