Housing & mortgages

Pantbrev (mortgage deed) calculator

Estimate pantbrev costs by calculating new mortgage deed needs, the 2% stamp duty, and the fixed SEK 375 registration fee.

Pantbrev result

We calculate whether new mortgage deeds are needed, their amount, and the exact fee.

Total pantbrev cost: SEK 20,375
New pantbrev needed: SEK 1,000,000
Pantbrev stamp duty: SEK 20,000
Registration fee: SEK 375
Covered by existing pantbrev: SEK 1,500,000

Analysis & guidance

Compare with lagfart
Pantbrev cost is separate from lagfart on the purchase price—budget for both.
Use the seller's deeds
Existing pantbrev follow the property; they reduce how much new issuance you pay for.
Plan for refinances
If you increase your mortgage later, you may owe another 2% on any additional deeds.

Frequently asked questions

What is pantbrev in Sweden?

Pantbrev is a Swedish mortgage deed that secures a loan against a property. Existing deeds often transfer with the property and can be reused.

Do I pay 2% on my whole mortgage?

Not necessarily. The 2% stamp duty typically applies only to any *new* pantbrev amount you need beyond existing deeds.

What if existing deeds cover my loan?

If existing pantbrev are equal to or higher than your planned mortgage, you usually don’t need new deeds and may avoid the 2% cost.

How is pantbrev different from lagfart?

Lagfart is the ownership registration (stamp duty on the higher of price/tax value). Pantbrev is about registering mortgage deeds and is calculated on new deed amounts.

What is pantbrev?

Pantbrev is the Swedish mortgage deed. When you take out or increase a mortgage, you may need to issue new deeds. Any new pantbrev costs 2% of the deed amount plus a fixed SEK 375 fee. Existing deeds that come with the property reduce how much new issuance you need.

How we calculate your cost

Enter your total mortgage amount and the value of existing deeds on the property. We compare them to see if you need new pantbrev. If you do, we apply 2% stamp duty to the new deed amount and add the SEK 375 registration fee.

Plan your home purchase budget

Pantbrev is separate from lagfart (stamp duty on the purchase price). Include both when budgeting for down payment, closing costs, and moving expenses. Knowing the exact pantbrev cost helps you avoid surprises on completion day.

Pantbrev in Sweden: estimate mortgage deed costs

Pantbrev is the Swedish mortgage deed used to secure a loan against a property. When you take a mortgage, you may need to issue new pantbrev — and that’s when the main cost appears.

The key rule: you pay only for new deeds

If the property already has pantbrev, they usually transfer with the property and can cover part of your mortgage.

A simplified model:

newDeedAmount = max(0, loanAmount - existingDeeds)
stampDuty = newDeedAmount * 0.02
add a fixed registration fee (only if newDeedAmount > 0)

Pantbrev vs lagfart

Lagfart: ownership registration and stamp duty on the purchase.
Pantbrev: mortgage deed costs based on new deed amounts.

Both can apply when buying a home, so it’s smart to budget for both.

Practical tips

Ask the seller (or broker) how much existing pantbrev the property has.
If you plan to increase the mortgage later, you may pay 2% again on additional new deed amounts.
Use the calculator to see the “gap” between your loan and existing deeds.

Stamp duty is 2% of the new mortgage amount, rounded down to whole thousands. Lantmäteriet also charges SEK 375 for each mortgage registration. If the bank divides the required amount into several mortgage deeds, enter that count in the advanced field.

How to read this calculator

These results are meant as guidance. They are based on rules, assumptions, and simplified models that can differ from your exact real-world situation.

Estimate, not a legal decision

Use the result as decision support and planning help. For high-stakes choices, confirm the details with the relevant authority, lender, employer, or adviser.