This makes it less advantageous to lock in your mortgage interest rate if the predictions about the interest rate market come true. Banks have already started to raise fixed interest rates.
"If we are correct in our forecast of both variable mortgage rates and longer-term fixed rates, the window to insure yourself cheaply against unexpected interest rate movements is about to close," writes SBAB's chief economist Robert Boije in a comment.
The state bank SBAB expects that the current level of the Riksbank's policy rate, 1.75 percent, will remain throughout next year. With that in mind, the floating interest rate is expected to remain stable throughout 2026.
But despite this, fixed mortgage rates, which are partly driven by the general interest rate situation in the bond markets, may be on the rise.
