About BidderBud
Helping first-time homebuyers in Sweden navigate the purchasing process with confidence.
Buying your first home in Sweden can feel overwhelming. Between loan promises, bidding wars, contracts, and complex financial calculations, it's easy to feel lost. That's why we created BidderBud.
Our goal is simple: to help first-time homebuyers understand the Swedish housing market and make informed financial decisions. We want to demystify the process, explain the terminology, and give you the tools to calculate exactly what you can afford.
Financial Calculator
Calculate your monthly costs, compare interest rates, model scenarios, and understand how different purchase prices affect your budget.
Finance Guide
Learn about interest rates, amortization requirements, tax deductions (ränteavdrag), and how to negotiate with banks.
Step-by-Step Guide
Follow our 7-step process from getting your loan promise to receiving the keys to your new home.
Completely Free
All our tools and guides are free to use. No hidden fees, no premium features locked behind paywalls.
We believe everyone deserves access to quality financial education, especially when making the biggest purchase of their life. First-time buyers shouldn't have to pay for information that should be freely available.
BidderBud aims to remain free through community support. If you find our tools helpful, consider supporting us through a donation to help cover hosting costs and enable us to continue improving the platform.
Want to support us? Consider donating to help keep BidderBud free for everyone.
Get Your Loan Promise First
Before you start looking at properties, get a loan promise (lånelöfte) from your bank. This tells you exactly how much you can borrow and makes you a serious buyer in the eyes of sellers.
Negotiate Your Interest Rate
The advertised rate is just the starting point. Banks expect you to negotiate. Get quotes from 2-3 banks and use them as leverage. Even 0.1% lower can save thousands over the life of your loan.
Understand Your Total Monthly Cost
Your monthly cost is more than just the mortgage. Factor in amortization, BRF fees, utilities, insurance, and maintenance. Use our calculator to see the full picture.
Have questions or feedback? We'd love to hear from you. Use the feedback button to send us your thoughts.
Ready to Start Your Journey?
Explore our tools and guides to take the first step toward your new home.