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Lånekoll review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Lånekoll suits Swedish homeowners who want a regulated broker to place a mortgage with a lender rather than a lender of its own. The opening rate runs 2.32% against a site median of 4.69%, with an origination fee of 0 SEK on the mortgage side.

Key facts

Best for
Swedes comparing mortgage offers for a purchase or a switch who want a regulated broker and no arrangement fee.
APR
2.32% to 7.9%↗
Loan amount
SEK 2,550,000↗
Term
12 to 180 months↗
Arrangement fee
0 SEK↗
Credit check
Hard↗
Representative example
Bolån via partners: 2.75% nominal (2.79% effective) on a 2.55 Mkr loan, interest cost 5 844 kr per month, amortisation 4 250 kr per month, no setup fee↗
Lender type
Broker↗
Eligibility
Minimum age 18 and resident in Sweden↗
Loan types
Secured, Personal, Debt-consolidation, Car↗
Use cases
Home-improvement↗
Legal entity
Consector AB↗
Headquarters
Sweden↗
Founded
2014↗
Support channels
Email, Phone, Help-centre↗
Official website
lanekoll.se

Mortgages

Initial rate
2.32%↗
APRC
2.35%↗
Fixed period
0.25 years↗
Maximum loan to value
90%↗
Product fee
SEK 0↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
minasidor.lanekoll.se

Pros and cons

Pros

  • Origination runs at 0 SEK and the product fee is SEK 0 on a mortgage placed through the broker
  • The opening rate of 2.32% sits below the 4.69% site median and below the 4.91% APRC median
  • A regulated broker under Finansinspektionen in Sweden, listed as licence 44027
  • Help runs on email, phone and help centre, covering email, phone and a help centre
  • Loans of SEK 2,550,000 over terms of 12 to 180 months, with the amount sitting high in the 13 ranking

Cons

  • A hard credit check, the setting taken by 75% of the brands listed, so an application leaves a full search behind
  • The shortest fixed rate period is 0.25 years, below the 3 lower quartile of the site, so a short lock leaves the rate exposed
  • Most of what is listed, 72.4%, lends directly, so with Lånekoll the lender and the final terms sit outside the service
  • The top of the quoted range is 2.32% to 7.9%, above the 27.8% upper quartile of rates on the site, and weaker files pay at that end
Lånekoll

Ready to try Lånekoll?

Scored 9.2 / 10 by SumCue.

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Who it suits

  • Adults in Sweden buying a home or switching an existing mortgage who want one broker to price several lenders
  • Borrowers who put a low rate and a fee of 0 SEK on arrangement ahead of any loyalty perk
  • Anyone comfortable with a hard credit check, since the route into an offer runs on that basis

Who should look elsewhere

  • Borrowers outside Sweden, as eligibility runs on residence in Sweden rather than wider European coverage
  • People with thin files or a recent default, given that the site places 75% at three lenders in four and softer checks lower down
  • Buyers who want a rate locked for longer than 0.25 years, or who need the 0.6% floor some lenders reach

Deposit protection

Lånekoll is a broker, so a mortgage arranged through it is placed with a partner lender rather than held by a savings provider that pays a deposit protection scheme. A home loan is secured on the property, and that collateral is the main protection for a household if income stops. The representative example sets out a mortgage via partners, which is the normal route: a partner sets the rate, the account and the repayment schedule. Anyone looking for a home for cash while a purchase completes, or for a savings balance to sit beside a mortgage, is looking at a different product.

Rates and costs

The opening rate is 2.32% and the quoted range runs 2.32% to 7.9%, against a site median of 4.69%. The annual percentage rate of charge of 2.35% is the figure most worth comparing, since it folds the costs of a mortgage into a single number you can weigh across lenders. The representative example sets out a mortgage placed with a partner lender, with a nominal rate, an effective rate close to it, a stated monthly interest cost, monthly amortisation on the loan and no setup fee. On the broker's own charges, origination runs at 0 SEK and the product fee is SEK 0, so arranging a mortgage through Lånekoll adds nothing to what the loan itself costs. Personal loans sit outside this example, so their pricing is a separate question.

Who regulates it

Lånekoll is supervised in Sweden by Finansinspektionen and is listed as licence 44027. That registration covers the broker side of the journey, where lender offers are gathered and put in front of a borrower. Because Lånekoll is a broker, the lender that wins the comparison carries the credit decision and holds its own permissions, so a reader checking permissions should check both the broker and the lender. Keeping those two roles apart makes it easier to see who a complaint would sit with.

Application and funding speed

Loans run to SEK 2,550,000 over terms of 12 to 180 months on the personal side, covering secured borrowing, personal loans, debt consolidation and car loans. The mortgage example is built on a loan of SEK 2,550,000, so that figure describes the home loan being illustrated as much as the smaller products. The shape of the process follows from the two roles: an application opens with a credit assessment, and a mortgage runs on to a lender offer, a valuation and a signing before money is released, with the handover to the partner lender setting the pace of the later stages. Lånekoll sets up that handover, and the partner sets the timetable afterwards.

The company behind it

Lånekoll is run by Consector AB, with its headquarters in SE and a founding year of 2014. The business is the comparison rather than the loan book, which is why the site presents partner lenders alongside its own service. Support runs on email, phone and help centre, meaning email, phone and a help centre, so a household can raise a question in writing or by voice. The same supervision under Finansinspektionen, licence 44027, applies to the service as a whole, and a broker model means the company behind the service stays in the frame after the first offer.

How Lånekoll compares

Where Lånekoll is available

Available
Sweden
Licence in Sweden
Finansinspektionen (44027), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is Lånekoll a bank or a broker?+

It is a broker. Offers are gathered from several lenders and the one that fits becomes the lender on the application, which is why a partner sets the rate and terms in the representative example. That matters when comparing a broker with a direct lender, because the credit decision and the counterparty sit with the lender rather than with the broker.

What is the lowest mortgage rate on offer?+

The opening rate is 2.32%, and the quoted range runs 2.32% to 7.9%, both below the site median of 4.69%. The rate you are offered depends on collateral, income and deposit, and some lenders on the site reach as low as 0.6%, so the floor is not automatic. The annual percentage rate of charge of 2.35% is the cleaner figure to compare offers on.

Are there arrangement or setup fees?+

Origination runs at 0 SEK and the product fee is SEK 0 on a mortgage placed through the broker. The representative example also carries no setup fee, so the visible cost of taking a mortgage through Lånekoll is the interest and any valuation the lender charges rather than a broker charge. Personal loans are priced separately from this example.

Who regulates Lånekoll?+

It is supervised in Sweden by Finansinspektionen, licence 44027. That registration covers the broker side, where lender offers are gathered and presented. The lender that wins the comparison carries the credit decision and holds its own permissions, so checking permissions is worth doing on both sides.

How long can the rate be fixed?+

The shortest fixed period shown is 0.25 years, which is a very short lock. Across the site the median fixed period is 10 years and the upper quartile is 20 years, so longer locks are common. A short period keeps the rate low for less time before it resets and the loan has to be re-fixed.

How much can I borrow?+

The mortgage example is built on a loan of SEK 2,550,000, and personal borrowing runs to SEK 2,550,000 over terms of 12 to 180 months. A home loan is normally capped by the 90% loan to value limit, while a personal or car loan is sized on income and credit history instead. The higher amount is a home purchase, not a personal figure.

Does applying affect my credit file?+

The route into an offer runs on a hard credit check, the same setting taken by 75% of the brands listed, so the search is visible to other lenders. Softer prequalification appears on 20.1% of listings. Applying with several lenders in one go can therefore leave a cluster of searches on the record.

Can I use it outside Sweden?+

No. Eligibility runs on being an adult resident in Sweden, and the service is built for the Swedish mortgage and loan market. There is no UK or wider European version to apply for, so households in other markets should look at a broker registered in their own country. Finance in Sweden means a different currency and a different regulator.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time.

Lånekoll

Lånekoll

Swedes comparing mortgage offers for a purchase or a switch who want a regulated broker and no arrangement fee.

9.2/10See alternatives