At the beginning of February, the Riksbank raised the key interest rate for the fifth time in a row, to 3.0 percent.

This is the highest level in Sweden in 15 years.

But there are tricks to push your mortgage rate down when you negotiate with the banks.

- It is usually not what is in the shop window that counts, says SVT's economic commentator Alexander Norén.

See Alexander Norén's five tips on how to proceed to increase the chances of getting a lower interest rate in the clip above.