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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.
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.
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