Housing costs: mortgage and purchase budget
See what a home costs at purchase and each month. Bring the mortgage, deposit, repayments, running costs, title registration, mortgage deeds and tax relief into one plan.
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Start with an affordable monthly budget
Use household take-home income and leave room for food, transport, insurance and saving. In an example with SEK 20 000 net income and SEK 10 000 housing expenses, SEK 10 000 remains for everything else. A bank's loan offer indicates possible borrowing; your budget shows what you can manage.
Compare the full housing cost
A cheaper tenant-owned flat with a high monthly association fee can cost more each month than a pricier home with a lower fee. For a house, include heating, electricity, insurance and maintenance. Compare the same cost items for every option.
Plan the deposit and purchase charges
The deposit is only part of the cash you may need. Buying a house can add title registration and new mortgage deeds, alongside inspection, moving and overlapping housing expenses. Make a separate purchase budget and check which mortgage deeds already exist.
Stress-test interest, repayments and tax relief
Compare today's monthly cost with a higher-interest scenario. Repaying principal reduces debt but still requires money each month. Separate interest before and after tax relief and check current conditions with the bank and Skatteverket.
Sources used for this topic
- Swedish Parliament – Act (2026:226) on limits for residential credit
- Swedish Financial Supervisory Authority – rules from 1 April 2026
- Lantmäteriet – stamp duty and fees (Swedish page)
- Lantmäteriet – stamp duty and fees
- Lantmäteriet – registration of ownership
- Skatteverket
- Swedish Tax Agency – electricity tax
- Swedish Energy Markets Inspectorate – electricity agreements
- Swedish Consumer Agency – consumer credit and down payment
- Swedish Consumer Agency – buying from a car dealer
- Swedish Tax Agency – deduction for interest expenses
- Swedish Tax Agency – apply for tax adjustment
- Swedish Tax Agency – public service fee 2026
- Swedish Tax Agency – tax tables 2026
- Skatteverket