The Swedish Financial Supervisory Authority held a roundtable with the eight largest mortgage banks and released 2025 mortgage market statistics as part of its follow-up after a new law limiting mortgage lending took effect on 1 April. The supervisory discussion focused on banks’ lending terms and credit assessments, and on how they take customers’ interests into account when mortgage contracts are designed and applied. The new law sets requirements for amortisation and loan-to-value ratios and largely builds on the authority’s earlier rules on amortisation and guidance on mortgage limits and exceptions from amortisation requirements. The 2025 data show households took out SEK 581 billion of new mortgages, more than in 2024 but still below 2020 to 2022 levels, while the total mortgage stock rose to almost SEK 4,200 billion, just over 2 percent higher than in 2024 in nominal terms and in line with inflation. Lower rates reduced the share of household income used for interest and amortisation, and debt collection claims and payment orders linked to mortgages fell to roughly the same levels as in 2023. The Swedish Financial Supervisory Authority will continue to review mortgage credit assessments and to collect annual mortgage market data to monitor developments.
Finansinspektionen2026-05-21
Swedish Financial Supervisory Authority convenes eight largest mortgage banks on sound lending and releases 2025 mortgage statistics
The Swedish Financial Supervisory Authority held a roundtable with the eight largest mortgage banks and published 2025 mortgage statistics as part of its follow-up to the new mortgage-lending law effective 1 April. The law codifies amortisation and loan-to-value requirements based largely on existing rules, while the 2025 data show higher new lending than in 2024, a 2 percent nominal increase in the mortgage stock, lower debt service burdens and stable debt collection claims. The authority will continue reviewing mortgage credit assessments and collecting annual data to monitor developments.