Green mortgage
An extra 0.10 percentage-point mortgage interest discount for households whose home meets the bank’s energy or building-certification criteria.
Questa opportunità è attualmente disponibile in inglese.
Sparbanken Mälardalen lends against your home as security. You repay the mortgage and pay interest; the green benefit is an extra reduction of 10 basis points (0.10 percentage points) after your individual mortgage rate is agreed. It applies to all mortgages attached to the approved home, including a qualifying holiday home.
The discount starts when the bank registers it. For a three-month interest period, it lasts until your existing interest discount expires. For a fixed-rate mortgage, it lasts until the fixed period ends. Apply again when the applicable period expires. A certificate expiring during a fixed period does not end that period’s discount; the home must meet the criteria in force when you reapply.
The published mortgage example charges SEK 650 to set up the loan unless you are a Nyckelkund package customer. Paper payment notices cost SEK 45 each; the example has no notice charge for digital notices. Exchange-rate changes can affect what you pay if your income is in a different currency from the loan.
Repaying principal reduces your debt. The ordinary annual minimum is 2% of the total loan amount if the mortgage exceeds 70% of the home’s value, and 1% if it exceeds 50% but is no more than 70%. Repayment is optional at no more than 50%. The scheduled repayment period must be at least ten years, but you can make extra repayments to pay the debt off sooner. Call the bank on 0771-82 70 00 to pay off the mortgage or change the repayment plan. Temporary repayment relief may be granted case by case when higher costs or lower income make payment difficult.
If you increase a mortgage taken before 1 June 2016, the alternative repayment rule lets you repay the new borrowing over ten years while the existing mortgage remains unaffected.
If you previously had to repay an extra 1% per year because your mortgage exceeded 4.5 times your annual income, you can request removal of that extra repayment through the bank’s app or internet bank. The bank assesses each requested change individually.
Eligibility
You can request the discount for a new mortgage, a mortgage transferred to Sparbanken Mälardalen, or a mortgage already held there. The bank assesses your ability to pay using a UC credit report and must approve the home as security. Information supplied for the mortgage promise must remain accurate and unchanged when the loan is paid out.
Your home must qualify through one of these routes, supported by a valid certificate:
- An energy declaration issued before 1 October 2026 can show energy class A or B. If it was updated after that date, it must show class A. Declarations issued after 1 October 2026 must show class A. An A0 declaration issued before 1 October 2026 is accepted as class A. For an A0 declaration issued after that date, or an earlier one updated after it, the energy-performance figure must correspond to level A. An energy declaration issued before 1 January 2014 does not qualify because it uses the older classification.
- A Svanen-labelled home, a Passive House Institute-certified passive house, or a building certified Miljöbyggnad Silver or Gold qualifies on either side of the October 2026 change.
For a tenant-owned apartment (bostadsrätt), contact the housing association for the building’s energy classification. One borrower can submit the discount request; all borrowers do not need to sign it.
How to apply
- Stato
- Aperto continuamente
- Restrizioni del bando
- Request the green discount after the mortgage is paid out or transferred; attach a valid certificate.[^c3][^c14]
For a new home purchase, start with a mortgage promise, find a qualifying home and apply for the mortgage through Sparbanken Mälardalen’s mortgage application page. Once you have taken possession and received the mortgage at your individual rate, complete the green-mortgage interest form in the bank’s internet bank. Reply to the bank’s subsequent message and attach a valid certificate.
To transfer a mortgage, apply for a mortgage or contact the bank. Once the bank approves and transfers your loans, request the green discount through the internet-bank form. If your mortgage is already at Sparbanken Mälardalen, check the criteria, submit that form and attach the certificate in reply to the bank’s message.