The Swedish Financial Supervisory Authority (Finansinspektionen, FI) has invited the eight largest mortgage banks to a roundtable discussion on sound mortgage lending following the entry into force on 1 April of a new law limiting mortgage loans. The law sets requirements on amortisation and loan-to-value ratios and is largely based on FI’s previous amortisation regulations and its general guidance on limiting mortgage loans and exemptions from amortisation requirements, while FI will continue to review mortgage credit assessments as part of its mandate. FI emphasised that banks remain responsible for maintaining prudent credit assessments and a sound amortisation culture. Supervision will continue to focus on how mortgage lending terms develop and how banks safeguard customers’ interests in the design and application of mortgage contracts. The roundtable is planned for 21 May and the invited banks are Handelsbanken, SEB, Swedbank, Danske Bank, Nordea, Länsförsäkringar Bank, SBAB and Skandiabanken.
Finansinspektionen 2026-04-01
Swedish Financial Supervisory Authority convenes eight largest mortgage banks for 21 May roundtable on mortgage lending standards
The Swedish Financial Supervisory Authority has invited the eight largest mortgage banks to a roundtable on sound mortgage lending following the entry into force of a new law limiting mortgage loans through amortisation and loan-to-value requirements. The law is largely based on the authority’s existing amortisation regulations and guidance, and supervision will continue to focus on banks’ mortgage credit assessments, lending terms and how they safeguard customers’ interests.