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Pantbrev (mortgage deed) calculator

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

Your mortgage details

Enter the total mortgage you plan to register and the value of existing pantbrev on the property.

Your details
SEK

The total loan you intend to register on the property.

SEK

The value of mortgage deeds already attached to the property that transfer to you.

Advanced settings

Lantmäteriet charges SEK 375 for each new mortgage registration.

Results update instantly

Pantbrev result

Example using default values

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

Total pantbrev cost
SEK 20,375

2% stamp duty on new deeds plus the SEK 375 fixed fee (only if new deeds are needed).

Estimate, not a legal decision

Read methodology

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

New pantbrev required

You need to issue new mortgage deeds for the uncovered part of the loan.

Result details

New pantbrev needed
SEK 1,000,000

The deed amount that must be newly issued for your mortgage.

Pantbrev stamp duty
SEK 20,000

2% of the new pantbrev amount.

Registration fee
SEK 375

SEK 375 applied only if new pantbrev are issued.

Result details

Result details

Covered by existing pantbrev
SEK 1,500,000

Portion of your loan already secured by existing deeds.

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.

About this calculator

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 the calculation works

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.

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.

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.

Methodology

Each calculator uses defined inputs, assumptions, and logic. We explain the broader approach on the methodology page.

Read methodology

Sources and updates

Important calculators should be traceable back to official rules, public guidance, or other clearly stated references.

Read about sources

Official source

Last reviewed
Rule set
Swedish property registration costs for 2026

Important limitations

  • The result is an estimate
  • The authority decides your eligibility
  • Your individual facts can change the outcome
  • Rates and rules can change
Verify with the responsible authority or service

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