The average mortgage rates continued to show only minor changes in January.

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

For the three-month term, the average rate remained at 2.61 percent in January compared to December.

The lowest average variable three-month rate this month was offered by Skandia at 2.56 percent.

Länsförsäkringar had the lowest one-year rate at 2.71 percent.

Skandia offered the lowest two-year rate at 2.81 percent.

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

Average Rates
January 20263 mo1 yr2 yrs3 yrs5 yrs
Danske Bank2.582.792.822.993.18
Landshypotek2.562.783.083.143.41
Länsförsäkringar2.652.713.163.343.57
Handelsbanken2.632.903.003.223.46
Nordea2.663.023.103.223.46
SBAB2.652.792.953.073.33
SEB2.632.812.852.913.16
Skandia2.562.732.812.973.21
Swedbank2.612.832.972.873.33
Average2.612.822.973.083.35
Median2.632.792.973.073.33
Lowest2.562.712.812.873.16
Highest2.663.023.163.343.57

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

Average Rates
Mortgage Institution3 mo1 yr2 yrs3 yrs5 yrs
Danske Bank
January 20262.582.792.822.993.18
December 20252.572.752.782.933.03
Landshypotek
January 20262.562.783.083.143.41
December 20252.552.742.933.043.31
Länsförsäkringar
January 20262.652.713.163.343.57
December 20252.672.723.153.253.52
Handelsbanken
January 20262.632.903.003.223.46
December 20252.622.922.993.183.39
Nordea
January 20262.663.023.103.223.46
December 20252.652.983.023.143.38
SBAB
January 20262.652.792.953.073.33
December 20252.682.832.873.003.16
SEB
January 20262.632.812.852.913.16
December 20252.632.752.762.843.07
Skandia
January 20262.562.732.812.973.21
December 20252.512.712.692.852.95
Swedbank
January 20262.612.832.972.873.33
December 20252.612.752.912.833.23


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

Average of Nine Mortgage Institutions3 mo1 yr2 yrs3 yrs5 yrs
January 20262.612.822.973.083.35
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