Guides

Everything you want to know before you make an offer, in plain language and checked against the source.

• Bidding on a Swedish Home 2026: How It Works, Underpricing and Hidden Bids How bidding works in Sweden 2026: no bid is binding, underpricing requires a price well below market value, and hidden bids explained. With worked examples.
• BRF finances: how to read the annual report before you buy Seven mandatory key figures since 2023, rule-of-thumb levels for debt and savings per sqm, and what interest sensitivity means. How to judge a BRF.
• Buying a home in Sweden step by step 2026: from loan promise to handover How to buy a home in Sweden in 2026: 10 percent deposit, what a bid and the purchase contract mean, plus what lagfart and stamp duty cost.
• Buying a Home Together in Sweden: Unequal Deposits and the Samboavtal Buying a home together but putting in different deposits? How to protect whoever pays more, using ownership shares or a samboavtal plus a debt note.
• Buying new-build: the risks of a brand-new bostadsrätt association The biggest risk in a new-build is not bankruptcy but high debt in the association. Here is how to read the economic plan before you sign.
• Can I Afford It? Mortgage Budget and Interest-Rate Stress Test at 6 Percent Work out if you can afford the home. Stress-test the monthly cost at 6-7 percent, the way the bank does, and see what you have left to live on.
• Era risks: what your home's build year says about hidden defects A home's build year predicts which hidden defects are worth checking, from blåbetong and radon to damp and facades. A calm checklist by decade.
• Home inspection and hidden defects: what to check before you buy in Sweden What a besiktning covers, how long you can hold the seller liable for hidden defects, and what you must check yourself. Plain answers for buyers.
• New Swedish mortgage rules 2026: 90 percent loan-to-value cap and 10 percent deposit From 1 April 2026 Sweden has new mortgage rules: the loan-to-value cap rises to 90 percent, the deposit drops to 10 percent and the stricter amortisation rule is removed.
• Operating Costs and Monthly Cost: What a Home Actually Costs in Sweden The asking price is not what the home costs. Here is the real monthly cost: interest, amortisation, operating costs and maintenance, with figures and worked examples.
• Pantbrev and Lagfart 2026: What They Cost and How to Calculate Lagfart costs 1.5 percent of the price, pantbrev 2 percent of new loans. How to work out your buying costs and avoid paying more than you need to.
• Questions to ask the estate agent at a viewing: a buyer checklist The agent must answer honestly and disclose known defects. Here are the questions to ask at a viewing about condition, finances and bidding.
• Risks in a House Built Before 1950: What to Check The main risks in a house built before 1950: radon from blue concrete, asbestos and old wiring. An old house is not the same as a bad house.
• Risks in a House Built in the 1980s The common risks in 1980s houses: moisture in sill plates, crawl spaces and bathrooms nearing end of life. What to check and what it usually costs.
• Risks of buying a 1960s house in Sweden What to check in a 1960s Swedish house: radon from blue concrete, damp in the foundation and asbestos. A calm checklist, rough costs and questions for the agent.
• Risks With a House Built in the 1950s A 1950s house is not worse for being old. Here are the risks to check: blue concrete and radon, asbestos and old wiring, calmly and step by step.
• Risks With a House Built in the 1970s (the miljonprogrammet era) The key things to check in a 1970s house: radon from blue concrete, damp in the foundation and roof. Old does not mean bad.
• Risks With a House Built in the 1990s (Single-Stage Sealed Facade) 1990s houses are often in good shape. Check the single-stage sealed facade, crawl space and bathroom. What to look for and what it can cost.
• Risks With a House Built in the 2000s Houses from the 2000s are usually in good shape. The main thing to check is a single-stage sealed facade. Here is what to look at calmly before you bid.
• Stambyte (Pipe Replacement) and Fee Increases in a BRF: What It Means for You as a Buyer A stambyte often costs 250,000-300,000 kr per flat and is needed after 30-50 years. How to check the BRF has saved for it, and what pushes the fee up.
• Won the bidding? How the purchase contract, deposit and inspection clause work in Sweden A home purchase only becomes binding once the contract is signed. How the handpenning, inspection clause and review period work after your bid wins.