Mortgage institutions

To issue or broker mortgages to consumers, firms must have authorisation from FI pursuant to the Mortgage Business Act (2016:1024).

This also applies to firms that today have authorisation to issue or broker loans pursuant to the Certain Consumer Credit-related Operations Act (2014:275), provided that the operations include mortgages. FI uses the term mortgage institutions for firms that received authorisation in accordance with the Mortgage Business Act.

Authorisation to issue or broker mortgages is not needed for firms with authorisation in accordance with the Banking and Financing Business Act (2004:297).

Contents of the application

Finansinspektionen's regulations and general guidelines (FFFS 2016:29) regarding mortgage business specify the contents of an application for authorisation. 


The fee for an application for authorisation (including the approval of articles of association/by-laws) is SEK 126,000. See the fact box for the payment procedure.

FI also charges an annual supervision fee, which is currently SEK 50,000.

Handling time

FI makes a decision on the matter within 120 days provided that the application is complete and the fee is paid.

Other information

Mortgage credit institutions granted authorisation must notify Finansinspektionen in writing when the operations have commenced.

Mortgage institutions must report information to FI on a quarterly basis.

Payment procedure

  • FI registers the application, which is assigned a reference number.
  • FI then sends an administrator letter, which specifies the reference number, the applicable fee and instructions for how to pay the fee.

Do not pay the fee until you have received the administrator letter and reference number from FI.

Last reviewed: 2020-01-03