TITLE: Sweden's Government Introduces New Mortgage Rules Effective April 2026 BODY: On February 23, 2026, Sweden's government published new mortgage regulations set to take effect on April 1, 2026. The changes, outlined in government proposition 2025/26:119, introduce both relaxations and new restrictions for mortgage borrowers and will replace the Financial Supervisory Authority's (Finansinspektionen) previous regulations on amortisation requirements and mortgage caps. The most significant change raises the mortgage cap from 85 to 90 percent of a property's value, reducing the required cash deposit from 15 to 10 percent. For a property valued at 3 million Swedish kronor, this lowers the mandatory down payment from 450,000 to 300,000 kronor. Additional rules tighten restrictions on supplementary mortgages. Borrowers seeking to increase existing mortgages for renovations or reconstruction can borrow a maximum of 80 percent of the property's value. Those with existing mortgages exceeding 80 percent cannot increase their loan until the loan-to-value ratio falls below this threshold. Amortisation requirements now depend on the loan-to-value ratio: mortgages exceeding 70 percent require minimum annual amortisation of 2 percent of the total loan amount; those between 50 and 70 percent require 1 percent annually; those under 50 percent have no statutory requirement. The enhanced amortisation requirement introduced in 2018—which mandated an additional 1 percent annual amortisation for households borrowing more than 4.5 times their gross income—is entirely abolished. Property valuations are based on either the market value at purchase or a revaluation conducted at least five years after purchase or the previous revaluation. **Reference:** Prop. 2025/26:119, Utveckling av makrotillsynsområdet (February 5, 2026)

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