Authored by the expert who managed and guided the team behind the Sweden Property Pack
Everything you need to know before buying real estate is included in our Sweden Property Pack
Yes, you can legally buy property in Sweden without physically visiting the country.
Foreign buyers regularly complete property purchases in Sweden entirely remotely, with established legal frameworks and professional services supporting international transactions across major cities like Stockholm, Gothenburg, and Malmö.If you want to go deeper, you can check our pack of documents related to the real estate market in Sweden, based on reliable facts and data, not opinions or rumors.
Foreign buyers can complete Swedish property purchases entirely remotely through established legal procedures, though obtaining local mortgages without Swedish residency remains challenging.
Remote purchases are common in Sweden's major cities, typically requiring 4-8 weeks from offer to completion, with deposits around 10% held in escrow accounts.
| Aspect | Requirement | Details |
|---|---|---|
| Legal Eligibility | Fully Permitted | No restrictions on foreign remote purchases |
| Personal Identity Number | Not Required for Purchase | Needed only for Swedish bank accounts/mortgages |
| Contract Signing | Remote Possible | Via courier, power of attorney, or digital platforms |
| Mortgage Access | Very Limited | Most foreign buyers pay cash |
| Deposit | ~10% | Held in agent escrow or lawyer trust account |
| Timeline | 4-8 weeks | Cash deals can complete in 2 weeks |
| Inspection Costs | SEK 6,000-12,000 | Professional surveys arranged remotely |
Can foreign buyers legally purchase Swedish property without being physically present?
Foreign buyers can legally purchase property in Sweden without physically being in the country.
As of September 2025, Sweden has no legal restrictions preventing international buyers from completing property transactions remotely. The Swedish legal system supports remote purchases through established procedures that real estate agents and lawyers use regularly for international clients.
This remote purchase capability extends to all types of residential properties, including apartments in Stockholm, houses in Gothenburg, and vacation properties in rural areas. Swedish real estate law treats foreign buyers the same as domestic buyers regarding property ownership rights, with no additional residency requirements for property acquisition.
The process is particularly well-developed in major Swedish cities where international investment is common, with real estate professionals experienced in handling cross-border transactions and the necessary documentation procedures.
It's something we develop in our Sweden property pack.
What legal steps are required to complete a Swedish property purchase remotely?
The remote property purchase process in Sweden follows a structured legal framework with five essential steps.
First, you must appoint a local representative, typically a real estate agent or lawyer, who can act on your behalf throughout the transaction. This representative will handle property viewings, negotiations, and document submissions to Swedish authorities.
Second, document verification requires submitting notarized or apostilled identification, proof of funds, and address verification from your home country. These documents must meet Swedish anti-money laundering requirements and be translated into Swedish if necessary.
Third, the offer and contract signing process can be completed remotely through courier services for physical documents or by granting power of attorney to your local representative. Some agencies now accept digital signatures through verified platforms, though this isn't universal across all Swedish real estate firms.
Fourth, deposit payment (typically 10% of purchase price) is transferred from your foreign bank account to the agent's client escrow account or lawyer trust account, ensuring secure handling of funds until completion.
Fifth, land registry submission at Lantmäteriet (the Swedish land registry) is completed by your agent or representative, finalizing the title transfer and property registration in your name.
Do Swedish banks provide mortgages to buyers who aren't physically present?
Swedish banks rarely provide mortgages to non-resident foreign buyers, making cash purchases the standard approach for remote property acquisition.
As of September 2025, major Swedish banks including Swedbank, Handelsbanken, and SEB generally require borrowers to have a Swedish personal identity number (personnummer) and established local credit history. Without these credentials, mortgage approval becomes extremely difficult for foreign buyers purchasing remotely.
For the few cases where Swedish banks consider non-resident applications, required documentation typically includes a valid passport, proof of income and employment, foreign tax residence certificate, and comprehensive anti-money laundering documentation. However, approval rates remain very low.
Most foreign buyers instead work with international banks in their home countries that offer loans secured against foreign property, or they arrange financing through private lenders specializing in international real estate investments. Some buyers also consider mortgage brokers who have relationships with alternative lenders willing to finance Swedish property for non-residents.
The mortgage limitation makes Sweden primarily a cash-buyer market for international investors, which impacts the types of properties and price ranges accessible to foreign buyers.
Is a Swedish personal identity number necessary for property purchase?
A Swedish personal identity number (personnummer) is not legally required to purchase property in Sweden, but it significantly facilitates certain aspects of the transaction.
Property ownership itself can be completed without a personnummer, as foreign buyers can register properties directly with Lantmäteriet using their passport information and foreign identification documents.
However, a personnummer becomes essential for opening Swedish bank accounts, obtaining local mortgages, and accessing certain financial services. This creates practical limitations for buyers who want to finance their purchase through Swedish banks or establish ongoing financial relationships in Sweden.
To obtain a personnummer, you must register with the Swedish Tax Agency (Skatteverket) with documented intent to reside in Sweden for one year or more. This requires proof of employment, studies, or other long-term commitments in Sweden.
Alternatively, non-residents can apply for a coordination number (samordningsnummer) for limited purposes, but this doesn't provide the same financial access as a full personnummer. Most remote buyers proceed without either number, completing cash transactions through their appointed representatives.
Can buyers sign property contracts electronically in Sweden?
Swedish property contracts can be signed remotely, though electronic signature adoption varies among real estate agencies and legal firms.
Many Swedish real estate transactions still rely on traditional methods such as courier services for physical document signing or power of attorney arrangements where your local representative signs on your behalf. These methods remain the most widely accepted across all agencies and legal institutions.
Some progressive real estate firms and legal practices now accept digital signatures through verified platforms that comply with Swedish electronic signature regulations. However, this digital capability isn't universal, and buyers should confirm electronic signature acceptance with their specific agent or lawyer before proceeding.
Certain documents, particularly those related to banking or registry actions, may require notarization in the buyer's home country even when electronic signatures are accepted for the main purchase contract. The notarization requirements vary depending on the buyer's country of residence and the specific Swedish institution handling the transaction.
Power of attorney remains the most reliable method for remote signing, allowing your appointed representative to sign all necessary documents on your behalf while ensuring compliance with all Swedish legal requirements.
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What role do Swedish real estate agents play in remote purchases?
Swedish real estate agents serve as comprehensive representatives for foreign buyers, managing all aspects of remote property transactions from initial search to final registration.
Agents conduct detailed property viewings on behalf of absent buyers, often providing video tours, extensive photography, and live virtual showings via platforms like Zoom or Teams. They also handle initial negotiations with sellers and coordinate all communication throughout the purchase process.
Professional agents experienced with international clients arrange independent property inspections, coordinate with surveyors, and compile detailed condition reports for remote buyers. They also verify property titles, check for liens or encumbrances, and ensure all legal documentation meets Swedish requirements.
During the transaction phase, agents manage contract preparation, coordinate with lawyers when necessary, and handle deposit transfers to secure escrow accounts. They also submit all required documentation to Lantmäteriet for title transfer and registration.
The most experienced international agents maintain relationships with certified translators, property inspectors, and legal professionals, creating a complete support network for remote buyers navigating the Swedish property market.
How common are remote property purchases in Sweden?
Remote property purchases are increasingly common in Sweden, particularly among international investors and buyers from North America, Asia, and other European countries.
In major Swedish cities like Stockholm, Gothenburg, and Malmö, real estate agents report that approximately 15-25% of international transactions involve buyers who never physically visit the property before purchase. This percentage is higher for new developments and investment properties compared to primary residences.
Remote purchases are most frequent in the mid-to-upper price ranges, typically for properties valued between SEK 3 million and SEK 15 million in Stockholm's central areas. Luxury waterfront properties and vacation homes in popular regions like the Stockholm archipelago also see significant remote buyer activity.
New construction projects particularly attract remote buyers, as detailed plans, renderings, and specifications provide comprehensive property information without requiring physical inspection. Many developers now offer virtual reality tours and detailed digital presentations specifically for international buyers.
Investment-focused purchases dominate the remote buying segment, with buyers seeking rental properties in university areas, tourist destinations, or growing suburban markets where they can rely on agent expertise and market data rather than personal property assessment.
What remote inspections and due diligence are available?
Swedish property professionals offer comprehensive remote inspection and due diligence services specifically designed for international buyers.
| Inspection Type | Cost Range (SEK) | What's Included |
|---|---|---|
| Basic Building Survey | 6,000 - 8,000 | Structural assessment, major systems check, photo documentation |
| Comprehensive Technical Inspection | 8,000 - 12,000 | Detailed building analysis, electrical/plumbing review, energy assessment |
| Specialized Surveys | 3,000 - 6,000 | Pest inspection, environmental testing, specific system evaluation |
| Legal Due Diligence | 5,000 - 10,000 | Title verification, lien search, planning permission review |
| Market Valuation | 3,000 - 5,000 | Professional appraisal, comparative market analysis |
Professional building inspectors provide detailed reports with extensive photography, video documentation, and specific recommendations for any required repairs or maintenance. These reports typically include structural assessments, electrical and plumbing system evaluations, and energy efficiency ratings.
Legal due diligence services verify property titles, check for liens or encumbrances, review planning permissions, and confirm compliance with local building regulations. This process also includes checking for any pending legal disputes or neighborhood development plans that might affect property value.
Many inspection companies now offer real-time video inspections where buyers can virtually "walk through" the property with the inspector, asking questions and requesting specific areas to be examined in detail.
How much deposit is required and how is it handled securely?
Swedish property purchases typically require a deposit of approximately 10% of the purchase price, held securely in escrow accounts until transaction completion.
The deposit is transferred from the buyer's foreign bank account directly to the real estate agent's client escrow account or lawyer trust account, providing protection for both buyer and seller. These professional accounts are regulated by Swedish financial authorities and include insurance coverage for client funds.
International wire transfers for deposits must include comprehensive documentation to comply with Swedish anti-money laundering regulations. Buyers need to provide proof of fund origin, typically including bank statements, employment verification, or documentation of asset sales used to generate the purchase funds.
Currency conversion can be handled through the buyer's bank, specialized foreign exchange services, or the receiving Swedish institution. Many buyers use currency specialists to minimize exchange rate costs and timing risks, particularly for large deposits.
The escrow arrangement ensures that deposits are only released to the seller upon successful completion of all purchase conditions, title transfer, and property registration. If the transaction fails due to seller default or undisclosed property issues, the deposit is returned to the buyer with accrued interest.
We did some research and made this infographic to help you quickly compare rental yields of the major cities in Sweden versus those in neighboring countries. It provides a clear view of how this country positions itself as a real estate investment destination, which might interest you if you're planning to invest there.
What are the main risks of remote Swedish property purchases?
Remote property purchases in Sweden carry several specific risks that can be significantly reduced through proper preparation and professional support.
The primary risk involves undisclosed property defects or condition issues that might not be apparent in photographs or standard inspection reports. These can include structural problems, hidden water damage, or outdated electrical systems that require expensive repairs after purchase.
Market and neighborhood misrepresentation poses another significant risk, where property descriptions or location benefits don't match reality. This includes overstatement of rental potential, proximity to amenities, or future development prospects that affect property value.
Currency and timing risks can impact the final purchase cost, particularly for international buyers facing exchange rate fluctuations between offer acceptance and final payment. Political or economic changes in either the buyer's home country or Sweden can also affect transaction completion.
Legal and documentation risks include incomplete title verification, missed liens or encumbrances, or failure to comply with Swedish regulations that could delay or prevent property registration. Language barriers can contribute to misunderstanding contract terms or legal obligations.
To reduce these risks, buyers should hire experienced agents with international client expertise, commission independent property inspections, work with qualified Swedish lawyers, and consider currency hedging for large transactions. It's something we develop in our Sweden property pack.
Are there additional taxes or fees for foreign remote buyers?
Foreign buyers purchasing Swedish property remotely pay the same taxes and fees as domestic buyers, with no additional penalties for non-resident or remote purchases.
Property acquisition tax (stamp duty) applies equally to all buyers at rates of 1.5% for individual purchases or 4.25% for company purchases, regardless of buyer nationality or transaction method. Registration fees at Lantmäteriet cost approximately SEK 825 for standard residential property transfers.
Real estate agent fees, typically 3-5% of purchase price plus VAT, are usually paid by the seller rather than the buyer, following standard Swedish practice. Legal fees for buyer representation typically range from SEK 15,000 to SEK 35,000 depending on transaction complexity.
International buyers may face additional costs related to currency conversion, international wire transfer fees, and potential banking charges from both sending and receiving institutions. These costs typically add 0.5-2% to the total transaction value.
Document translation and notarization costs in the buyer's home country can range from SEK 3,000 to SEK 8,000, depending on the number of documents and local service costs. Some buyers also choose to purchase international property insurance or legal protection insurance, adding SEK 5,000 to SEK 15,000 to transaction costs.
How long does the remote purchase process take in Sweden?
The complete remote property purchase process in Sweden typically takes 4-8 weeks from accepted offer to final registration, with cash transactions potentially completing faster.
Initial property search and offer preparation usually require 1-2 weeks, depending on buyer decision-making speed and agent responsiveness. This phase includes property identification, initial due diligence, and offer preparation with supporting documentation.
Contract negotiation and signing typically take 1-2 weeks, involving legal review, contract amendments if necessary, and coordination of remote signing procedures. Power of attorney arrangements or courier services for document signing can add several days to this timeline.
Due diligence and inspection processes generally require 2-3 weeks, encompassing professional property inspections, legal title verification, and any additional surveys or assessments requested by the buyer. Remote coordination of these services can extend timelines compared to local transactions.
Final settlement and registration usually take 1-2 weeks, involving final fund transfers, title transfer preparation, and Lantmäteriet registration. Cash transactions can complete in as little as 2 weeks total when all documentation is prepared efficiently and no complex legal issues arise.
Mortgage-financed purchases, while rare for foreign buyers, typically extend the timeline to 8-12 weeks due to additional banking requirements and approval processes. It's something we develop in our Sweden property pack.
Conclusion
This article is for informational purposes only and should not be considered financial advice. Readers are advised to consult with a qualified professional before making any investment decisions. We do not assume any liability for actions taken based on the information provided.
Purchasing Swedish property remotely is legally straightforward and increasingly common among international buyers, with established professional services supporting every aspect of the transaction process.
While mortgage access remains limited for non-resident foreign buyers, the cash purchase process offers clear procedures, secure deposit handling, and comprehensive remote due diligence options for confident property acquisition.