1. A call may be enough

Do you have no interest discount without the bank's announced list interest rate? Call the bank! Only through a call asking for a discount will you get your costs down.

- The interest rate is pure usury. In practice, everyone who asks for a discount gets it, says Jacob Eliasson, head of social policy at the Homeowners' Association.

2. Are you sure the discount is still there?

Many have received a discount on their mortgages, but after a year the discount often disappears. Then it is time to contact the bank again in order not to pay unnecessarily much for mortgages.

3. Compare banks

The banks then have to report average interest rates for some time. Cheapest mortgage loans right now offer little Åland Bank, on average 1.30 percent. Compare banks and ask your bank why you pay more than others.

- At SBAB and Skandiabanken, for example, you can enter your information and get an interest rate offer directly. Then you get something to compare with and start from in the negotiation, says Christina Söderberg, on the comparison site Compricer.

4. Take a quote

Ask a few other banks what they can offer you if you move your mortgage (and maybe other business) there. Take the best deal with your current bank and ask them to match the offer.

- If you are not allowed to lower interest rates, change bank. It's not as tangled as many people think, says Jacob Eliasson.

5. Trade union discount

If you are a member of a TCO or Saco Association, you can get a discounted mortgage rate from Danske Bank. The interest rate offered is from 1.34 percent.

6. Sneak up on your neighbors' interest

With SvD's interest rate map, you can compare interest rates with other bank customers who live nearby.

... but watch out - don't compare too much!

When comparing banks, credit information is often taken. Beware of taking too many credit information, then your credit rating may decline and it will be more difficult for you to get loans on good terms in the future.

- A tip is to ask the bank not to take any credit information and say that in the first step you just want to get an approximate interest rate offer, says Christina Söderberg.

- Another solution is to use a service that compares banks. In such cases, a credit report may suffice.