Stugdröm

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For those who want to buy a property privately

We are aware that buying a property privately can feel scary, it is a big deal, but it is easier than many think! Here is a complete guide that takes you through the whole process — from the first valuation to the keys in your hand.

  1. 1. Get a loan pre-approval

    Before you start searching — talk to the bank about how much you can borrow. Plan for a 15% down payment plus running costs.

  2. 2. Watch listings

    Save searches on Stugdröm and act quickly when the right property appears.

  3. 3. Book a viewing

    Ask about heating, water/sewage, easements and leasehold. Inspect the cabin in daylight. As a buyer you have a duty to investigate.

  4. 4. Order an inspection

    If you feel unsure you can request an independent inspector. They review the building and can answer questions about construction, risks and any defects. It can save you from expensive surprises.

  5. 5. Place a bid

    Bids are not binding until a written purchase contract has been signed. Be clear about any conditions (inspection, financing).

  6. 6. Sign the contract

    Review the contract carefully and write it as clearly as possible. We at Stugdröm, a broker or a lawyer can help — it can be an extra safety net. We also have a completed template package with Purchase Agreement, Bill of Sale and complete guidance on how to fill this out correctly. This is the most important point when you buy a property privately.

  7. 7. Payment & handover

    Deposit (usually 10% unless otherwise agreed) is paid at contract signing, the remainder on the handover day.

  8. 8. Apply for the title deed

    Application is made to Lantmäteriet within 3 months. Stamp duty is 1.5% of the purchase price + a 825 SEK fee, usually paid by the buyer. For leasehold cabins no title deed is applied for and no stamp duty is charged, but you need approval of the change of owner from the landowner you lease from.

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Important to know

Stugdröm is primarily a marketplace — we are not a broker.  For extra peace of mind during contract signing and handover, help is available from us with this, and there are also template packages for purchase agreements and bills of sale to buy and download.  If you want further help with contracts and handover, you can of course hire a broker or lawyer for this.