Green mortgage
A 0.10 percentage point mortgage-rate discount for individuals buying, building or living in a home with a qualifying energy class or environmental certificate.
Ta możliwość jest obecnie dostępna po angielsku.
The green discount applies to both variable-rate and fixed-rate mortgages. For existing Nordea mortgages, it is added to your existing discount on all home loans secured by the qualifying home; the other loan terms stay the same.
This is a mortgage: your home secures the loan, and you repay the borrowed money with interest under your repayment plan. For a home purchase, Nordea can lend up to 90% of the home’s value; you must provide the remaining 10% as a down payment. The minimum mortgage application is SEK 100,000, and the amount available depends on your finances.
Eligibility
Your detached house, holiday home or tenant-owned apartment must meet at least one of these conditions:
- Energy class A in Boverket’s energy declaration. Class B is also accepted if the declaration was issued before 1 October 2026. Search for your property in Boverket’s register to find its energy class and obtain the declaration.
- Svanen certification. The certificate is included in purchase documents for a certified house; apartment owners can contact the housing association’s board.
- Miljöbyggnad Gold or Silver certification from Sweden Green Building Council. Check the certificate in your purchase documents; a replacement can be requested from miljobyggnad@sgbc.se.
To apply for a Nordea mortgage, you must be at least 18, registered as resident in Sweden, have a regular income and have no payment-default records. Nordea must approve the loan after a credit assessment.
The green discount lasts for the declaration’s or certificate’s validity period, up to ten years. The discount level applies until the next terms-change date for a fixed-rate loan (1–8 years) or interest-adjustment date for a three-month-rate loan. It then renews automatically if the property still meets Nordea’s green requirements.
When the declaration or certificate expires, you must renew it to keep the discount. Arrange a new energy declaration with an energy expert and have it registered with Boverket. Nordea instructs you to apply for a continued discount once the new declaration or certificate is registered with Boverket. Obtaining a new declaration or certificate may cost money.
How to apply
- Status
- Nabór ciągły
If you already have a Nordea mortgage, complete Nordea’s green-mortgage form. Nordea registers the discount if your home qualifies and contacts you if it needs a copy of your Svanen or Miljöbyggnad certificate.
For a new purchase, start through Nordea’s mortgage application route. After winning a bid, enter the property details in Mitt bostadsköp for Nordea’s final assessment. You must receive Nordea’s confirmation that it will provide the mortgage before you sign the purchase contract.