Of course, the best thing would have been if the bond had been set a little over a week ago, before all the banks raised it, says Robert Boije, chief economist at state mortgage bank SBAB.
The major mortgage players have raised their fixed mortgage rates in recent weeks. Now several major banks are also adjusting their variable rates - as recently as this morning, Nordea raised them by 0.15 percentage points.
It is not impossible that we will see more banks raising variable interest rates in the future, says Skandia's private economist Christina Sahlberg.
Robert Boije describes the situation in the market as "really messy", and if you have large loans and tight margins, it may be time to fix the interest rate.
You insure yourself against a really bad outcome, and then you have to pay a little for it, he says.
Sahlberg is on the same track.
If you find this uncomfortable and have a little trouble sleeping, you can fix the interest rate.
This thing that everyone tries to figure out - whether it is best financially to have fixed or variable - will almost always fail. Choose what works best for you and your finances, she continues.
Trump controls mortgage rates
Sahlberg does not think that "drastic decisions" should be made due to the uncertain world situation.
If the Iran war ends fairly quickly, we might even see lower interest rates going forward, but if the war continues for a long time, the Swedish Central Bank may need to raise rates.
Boije agrees.
My hope is that there will be so much pressure on Donald Trump in the US that he will somehow pull out of this war fairly quickly, and then we will see market interest rates fall quite quickly.
If we get that forecast right, this doesn't have to be so worrying, he says.
Why are variable rates being raised?
Boije says that fixed mortgage rates are affected by banks' financing costs via mortgage bonds - which have risen since the outbreak of the Iran war.
Variable mortgage rates are largely controlled by the Swedish Central Bank, but despite the fact that the central bank has not raised the key interest rate since the Iran war broke out, several mortgage players have raised their variable mortgage rates.
When it comes to variable mortgage rates, they are not only affected by the Swedish Central Bank's policy rate. Banks also borrow in the market.
This means that when slightly longer market rates rise, it is partly passed on to the banks' borrowing costs for lending at the variable interest rate, he continues.
