The average mortgage rates showed minor changes in December compared to November.

This is according to Finwire News' recurring survey of average rates at nine major mortgage institutions.

For the three-month term, the average rate stood at 2.61 percent in December, compared to 2.62 percent in November.

The lowest average floating three-month rate this month was offered by Skandia, at 2.51 percent.

Skandia also had the lowest rates for both one- and two-year terms, at 2.71 and 2.69 percent, respectively.

The average rates represent the rates that mortgage institutions have offered to their customers over the past month. These rates differ from the so-called listed rates, which are before any potential discounts.

Average Rates
December 20253 mo1 yr2 yr3 yr5 yr
Danske Bank2.572.752.782.933.03
Landshypotek2.552.742.933.043.31
Länsförsäkringar2.672.723.153.253.52
Handelsbanken2.622.922.993.183.39
Nordea2.652.983.023.143.38
SBAB2.682.832.873.003.16
SEB2.632.752.762.843.07
Skandia2.512.712.692.852.95
Swedbank2.612.752.912.833.23
Average2.612.792.903.013.23
Median2.622.752.913.003.23
Lowest2.512.712.692.832.95
Highest2.682.983.153.253.52

The table below shows the development for the past two months.

Average Rates
Mortgage Institution3 mo1 yr2 yr3 yr5 yr
Danske Bank
December 20252.572.752.782.933.03
November 20252.582.762.802.953.11
Landshypotek
December 20252.552.742.933.043.31
November 20252.562.712.822.903.23
Länsförsäkringar
December 20252.672.723.153.253.52
November 20252.682.713.113.23.38
Handelsbanken
December 20252.622.922.993.183.39
November 20252.632.882.933.113.29
Nordea
December 20252.652.983.023.143.38
November 20252.672.992.963.043.29
SBAB
December 20252.682.832.873.003.16
November 20252.692.852.933.023.19
SEB
December 20252.632.752.762.843.07
November 20252.652.772.742.782.99
Skandia
December 20252.512.712.692.852.95
November 20252.522.862.702.812.97
Swedbank
December 20252.612.752.912.833.23
November 20252.632.752.902.893.18


The table below shows the historical average rates for the nine mortgage institutions.

Average for Nine Mortgage Institutions3 mo1 yr2 yr3 yr5 yr
December 20252.612.792.903.013.23
November 20252.622.812.882.973.18
October 20252.632.792.862.963.17
September 20252.742.742.822.923.13
August 20252.822.832.902.983.20
July 20252.822.852.903.013.21
June 20252.952.983.013.093.30
May 20253.073.013.043.153.35
April 20253.073.093.173.263.42
March 20253.083.123.153.253.35
February 20253.113.103.083.133.23