Founded in 2018, Hypoteket is a financial technology company that aims to challenge traditional Swedish banks by offering a fully digital, transparent, and user-friendly mortgage service. As a licensed housing credit institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen), Hypoteket provides mortgage loans funded by institutional investors, including pension funds. Its mission is to simplify the mortgage process and provide lower interest rates to customers by eliminating the costs associated with physical branches and complex legacy systems.