Lånekoll review

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

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Our verdict

Lånekoll suits Swedish borrowers who want a mortgage quote brokered across partner lenders at an arrangement fee of 0 SEK. Rates of 2.32% to 7.9% sit below what Monzo Flex charges, and support runs on email, phone and help centre for anyone weighing a purchase against a remortgage.

Key facts

Best for
Swedish mortgage buyers and remortgagers who want several lenders compared with no arrangement fee.
APR
2.32% to 7.9% (Source, checked September 26, 2026)
Loan amount
SEK 2,550,000 (Source, checked September 26, 2026)
Term
12 to 180 months (Source, checked September 26, 2026)
Arrangement fee
0 SEK (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Minimum age 18 and resident in Sweden (Source, checked September 26, 2026)
Loan types
Secured, Personal, Debt-consolidation, Car (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Consector AB (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
lanekoll.se

Mortgages

Initial rate
2.32% (Source, checked September 26, 2026)
APRC
2.35% (Source, checked September 26, 2026)
Fixed period
0.25 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
SEK 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Consector AB (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
minasidor.lanekoll.se

Pros and cons

Pros

  • The mortgage rate range of 2.32% to 7.9% compares well with 10% to 23% and PHP 12 to PHP 36 at the other lenders listed here.
  • The arrangement fee on the mortgage example is 0 SEK, and the example carries no setup fee.
  • Brokering, broker, means one application is weighed against lenders rather than a single desk.
  • Support runs on email, phone and help centre.
  • The site sits under a Finansinspektionen licence, 44027.

Cons

  • Brokering means the lender, not Lånekoll, sets the final rate and terms: broker.
  • A hard credit check, hard, is part of the route, so there is no soft prequalification step first.
  • The headline rate is the floor of a band: 2.32% to 7.9%, so your own offer can land higher.
  • Support has no live chat and no community forum: email, phone and help centre.
Lånekoll

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Swedish buyers and remortgagers who want a property-sized mortgage, SEK 2,550,000, compared across partner lenders.
  • Borrowers who want to avoid a start fee: 0 SEK on the mortgage example.
  • People who also need a car, personal or debt consolidation loan, since the loan types cover secured, personal and debt consolidation.

Who should look elsewhere

  • Borrowers who prefer a single lender on the terms: Lånekoll is a broker, broker, so you deal with two firms.
  • Readers shopping for an unsecured personal loan rate: Monzo Flex quotes 10% to 23% and Cashspace PHP 12 to PHP 36, both above the 2.32% to 7.9% Lånekoll range.
  • Anyone needing a repayment period longer than 12 to 180 or a gentler check than a hard one.

Applying and getting the money

Repayment terms run 12 to 180, so you can set the length of a loan to match your monthly budget instead of taking whatever is offered. The mortgage that comes with the example is a large one, sized at SEK 2,550,000, which tells you straight away that Lånekoll is built for property loans rather than small sums. A shorter term means a bigger monthly payment and less total interest over the life of the loan. A longer term lowers the monthly figure but keeps the interest running for longer and claims a bigger share of your income each month. Before you commit, run the monthly figure against what the budget can carry after a bad month, because a payment that looks affordable on paper can still be the wrong number for you. Borrowers who take the longest available term should also check what happens when that period ends, since the rate is set again and the monthly figure moves with it. Whichever length you pick, the amount you borrow is the anchor for every calculation that follows, so fix that sum first and then fit the term around it.

Safety and regulation

Your money never sits with Lånekoll. The company is a broker, broker, and the representative example describes loans taken through partners, so the agreement you sign is with the bank that actually carries the debt. The broking activity is registered with Finansinspektionen, the Swedish financial regulator, under 44027. That split is worth holding on to when you judge the safety of the arrangement, because the party you contact during the application is not the party that holds the loan afterwards. The example also shows how the loan behaves once it runs: a nominal rate with an effective rate just above it, a monthly interest charge, a monthly amortisation payment, and no setup fee. The amortisation line matters more than it looks, since the balance falls on its own each month rather than only when you make extra payments. Check the lender's name on any offer before you sign, and keep the broker's contact details to hand for questions about the application itself.

Rates and costs

Rates on the mortgage run 2.32% to 7.9%, a wide band, so the figure you are handed depends on the deal you are given rather than sitting at one published number. The arrangement fee on the example is 0 SEK, so nothing is added to get started. The representative example is the clearest guide to what you actually pay: a nominal rate with an effective rate just above it, a monthly interest charge, a monthly amortisation payment, and no setup fee. Two lessons sit inside that. The effective rate is the one to judge, because it reflects the whole repayment rather than the headline alone. And interest is charged on the balance you still owe, not on the original sum, which is why the monthly figure falls as the debt shrinks. Ask for the effective rate in writing, and for a monthly amount that includes both interest and amortisation, before setting the offer beside a bank that quotes a lower headline and adds a fee later.

Regulation

Finansinspektionen, the Swedish financial regulator, is named in Lånekoll's licence, 44027. The company describes itself as a broker, broker, and that single word shapes the whole arrangement. A broker gathers offers and passes an application to a lender, so two things follow. The contract, the rate, and the repayment terms are set by the partner bank rather than by the site you applied through, and the money is the bank's to hold. The second point explains why your details travel: an application is passed on so a lender can price it, so read what is shared before you confirm. The licence reference is the quickest way to check that the business behind the site is the one you are dealing with, and it costs nothing to look.

Who runs it

The business behind Lånekoll is Consector AB, based in Sweden and founded 2014. It trades as a broker, broker, and is licensed by Finansinspektionen under 44027, so the name on the licence and the name on the site belong to the same operation. Customers reach it through email, phone and help centre, which covers a phone line, an email address, and a help centre for questions before and after a loan is agreed. A founding date you can check matters in this market, because a broker that disappears once the commission is paid leaves you dealing with the lender alone. The practical point for a first-time borrower is that a named Swedish company with a regulator licence is easier to hold to account than an anonymous comparison page. Keep the contact details with your mortgage paperwork, and ask for the partner lender's name in the same message.

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

What will a Lånekoll mortgage cost me?+

The quoted rate range is 2.32% to 7.9% and the starting rate shown is 2.32%. The arrangement fee on the example is 0 SEK, and the example itself carries no setup fee. Interest and amortisation are both charged monthly, so the monthly figure is what leaves your account each period.

Are there any fees on a Lånekoll loan?+

On the mortgage example the arrangement fee is 0 SEK and the product fee is SEK 0, so nothing is added when the loan starts. The representative example also shows no setup fee, which leaves interest as the main cost to weigh. In that example the effective rate sits just above the nominal rate because the loan is repaid in instalments.

Who is actually lending the money?+

Lånekoll is a broker, broker, so the loan is arranged with a partner lender rather than held by Lånekoll, and the representative example describes loans taken through partners. The broking side is registered with Finansinspektionen under 44027. The contract you sign is with the lender.

Am I eligible to borrow through Lånekoll?+

You need to be an adult and live in Sweden, and the credit assessment is a hard check, hard, rather than a soft prequalification. Repayment terms run 12 to 180, and the mortgage that comes with the example is sized at SEK 2,550,000, so the service is built around property sums.

How much can I borrow against my home?+

The example mortgage runs to SEK 2,550,000, and borrowing is capped by a maximum loan to value of 90%, which sets the share of the home's value the lender will cover. Repayment terms run 12 to 180, so the same sum can be spread over a short or a long period.

Can I lock the rate for only a short period?+

The fixed period can be as short as 0.25, so you can hold a rate briefly and let it reset instead of committing for years. The rate you lock sits inside the range of 2.32% to 7.9%, and the figure you are offered depends on the deal you are given.

What kinds of loans does Lånekoll offer?+

The loan types cover secured, personal and debt consolidation, and the mortgage side covers purchase and remortgage with home improvement named as a use. That makes Lånekoll a single place to check for a property purchase, a switch of lender, or an unsecured car or personal loan, with 12 to 180 available for repayment.

How do I reach Lånekoll if a question comes up?+

Customer service runs on email, phone and help centre, so you can phone, email, or use the help centre. The company behind the site is Consector AB, based in Sweden and founded 2014, with a Finansinspektionen licence under 44027.

Sources

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

Not confirmed yet: Funding time.

Lånekoll

Lånekoll

Swedish mortgage buyers and remortgagers who want several lenders compared with no arrangement fee.

9.1/10See alternatives

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