We are enkla.com

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Vi är inte en bank – vi specialiserar oss bara på bolån. Med en innovativ lösning erbjuder vi en av Sveriges lägsta boräntor till våra kunder.

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We are not a bank - we only specialize in mortgages. With an innovative solution, we offer one of Sweden's lowest rates to our customers.


Om Oss

Vår vision på enkla.com är att skapa en effektiv, förenklad och digital bolåneprocess. Vårt erbjudande är samma för alla kunder - låg ränta under en bunden period på tre år till de personer som möter våra kriterier. Resultatet bidrar till ökad transparens och tillgänglighet på marknaden.

Genom att lita på oss hjälper vi dig att få bättre insikt i din hushållsekonomi. Vi vill att du som kund ska känna dig lugn och tillitsfull i dina beslut. Med den ekonomiska säkerhet som ditt rätta bolån kan bidra till, kan vi hjälpa dig till sinnesro utan några överraskningar. Med vårt erbjudande om bolån blir ditt beslut lätt.

Alexander Widegren grundade år 2013 Lånbyte.se som är föregångare till enkla.com, dotterbolag till modergruppen Simplex AB. Enkla är ett bostadskreditinstitut som står under tillsyn av Finansinspektionen och är fullt licensierat.

Vill du vara en del av vår resa och revolutionera bolånemarknaden? För investerarförfrågningar, vänligen kontakta Marcus Widegren, ansvarig för institutionell försäljning, enkla.com.

Ta kontroll över ditt bolån. Klick. Klick. Flytta.

About Us

Our vision at enkla.com is to create an efficient, simplified and digital mortgage process. Our offer is the same for all customers – a low interest rate for a fixed period of three years to those who meet our criteria. The result contributes to increased transparency and availability in the market. Our modern, fully automated online mortgage application provides complexity reduction, reduces human error, enables a faster response and offers clarity and security to you as a customer.

By trusting us, we will help you achieve better insight to your household economy. We want you as a customer to feel calm and confident in your decisions. With the financial security that the right mortgage can contribute to, we can give you peace of mind without any surprises. With our mortgage offer, your decision becomes easy.

Alexander Widegren founded Lånbyte.se in 2013 which is the predecessor of enkla.com, a subsidiary of our parent group Simplex AB. Enkla is a housing credit institution supervised by the Financial Supervisory Authority (Finansinspektionen) and is fully licensed.

Would you like to be a part of our journey towards the democratization of the mortgage industry? For investor inquiries, please contact Marcus Widegren, director of investor relations, enkla.com.

Take control of your mortgage. Click. Click. Move.


Bolagsstyrning/Corporate Governance

Styrelse/Board

Elisabeth Thand Ringqvist, Styrelseordförande (Chairwoman of the Board)

Alexander Widegren, VD och Styrelsemedlem (CEO and Member of the Board)

Eva Stoppel, Styrelsemedlem (Board Member)

Pär Roosvall, Suppleant styrelsemedlem (Deputy Board Member)

Ledningsgrupp/Executive Team

Alexander Widegren, VD och Grundare (CEO and Founder)

Marcus Widegren, Ansvarig Institutionell Försäljning (Director of Institutional Sales)

Bengt-Olof Lalér, Kreditchef (Chief Credit Officer)

Michel Gyring, Chief Visionary Officer

Jordan Nasser, Marknadschef (Chief Marketing Officer)



 

Executive Team

ALEXANDER WIDEGREN, CEO AND FOUNDER

BIO

As the founder and CEO of enkla.com, Alexander has grown the business from a start-up to what is today one of the most well-known online mortgage issuers in Sweden. With a background in software engineering, Alexander’s first experience with financial technology was in 2004 as a junior software engineer on the foreign exchange trading floor of the global investment bank Dresdner Kleinwort Wasserstein in Frankfurt, Germany. He began his studies in software engineering and business management at Lund University before returning to Stockholm in 2009. Alexander worked as a software developer before starting the mortgage broker, Lånbyte.se, in 2012. That business has since transitioned to enkla.com, as a revolutionary digital mortgage issuer.

''Ten years ago, someone would type an application in the evening and put it in the post the next day. Now it’s click, click, move. By digitizing and streamlining the application process, we’ve made it easier than ever for customers with existing bank loans to take control over their mortgages.''

''För tio år sedan var man tvungen att fylla i en ansökan på kvällen och sedan lägga den på posten nästa dag. Nu är det bara klick, klick, flytta. Genom att digitalisera och effektivisera ansökningsprocessen har vi gjort det enklare än någonsin för kunder att ta kontroll över sina bolån.''

MARCUS WIDEGREN, DIRECTOR OF INSTITUTIONAL SALES 

BIO

Marcus began his financial services career at the equity sales desk of Lehman Brothers in Frankfurt, Germany in 2007. During the financial crisis, he returned to Stockholm with HQ Bank, where he headed the retail asset management branch of HQ Fonder and its approximately 25,000 clients. An acquisition turned HQ Fonder into Carnegie Fonder, a fundamental asset manager focused on three main areas; Nordic fixed income, Swedish equities and emerging market equity funds. Here Marcus turned his focus to institutional sales, as the net growth of assets under management from 2009-2015 was approximately 25bn SEK (from 20bn SEK to 45bn SEK) and Carnegie Fonder was awarded Fund Management Company of the year in 2014. Marcus joined Lånbyte.se in 2015 as Director of Business Strategy and was appointed Director of Institutional Sales at enkla.com.

''We have conducted interviews and studies with institutional investors in the past two years, in and outside of Sweden. These conversations with investors have been very fruitful as they have been generous with their time and knowledge. Without these individuals we would not have this opportunity to make a mortgage as it should have been.''

''Vi har gjort intervjuer och studier med institutionella investerare över de senaste två åren i och utanför Sverige. Denna konversation har vi hållit med investerare som har varit generösa med sin tid och kunskap. Utan dem skulle vi inte ha möjligheten att skapa ett bolån som det ska vara."

BENGT-OLOF LALÉR, CHIEF CREDIT OFFICER

BIO

Bengt-Olof comes to enkla.com with a proven track record of approximately 20 plus years in the mortgage and retail banking sector. Bengt-Olof began his career as Operation Officer with HSB Bank in 1998, where he focused on underwriting credits, banking regulation and operating routines. As CCO of SBAB from 2000-2009, Bengt-Olof oversaw a mortgage portfolio of 86bn SEK (from 140bn SEK to 226bn SEK). In 2009, he was asked to assume the role of acting Deputy CEO at Skandia, one of Sweden’s top ten banks, where he implemented risk mitigation routines, focused on corporate governance and operational procedures. In November 2015 he separated the Norwegian operation from the Swedish operation, with the intention of preparing Skandiabanken Norway for an IPO. Bengt-Olof was recruited to enkla.com as CCO in 2018.

''A mortgage is a simple product. I have been in the banking industry for many years and I have been waiting for someone to simplify, digitize and price mortgages the way we are going to. It is exciting to be part of this revolution.''

''Bolån är en enkel produkt. Jag har många år bakom mig i bankbranschen och jag har väntat på att någon ska förenkla, digitalisera och prissätta bolån på det sätt som vi nu kommer att göra. Det är spännande att vara en del av denna revolution.''

MICHEL GYRING, CHIEF VISIONARY OFFICER

BIO

With twenty-five years of experience in entrepreneurship and business development in a global environment, Michel has worked in publishing, brand development, marketing strategy, visionary consultancy, real estate brokerage and now home mortgages. As the co-founder of Illuminated World Media, his team published Bible Illuminated: The Book, a revolutionary concept which was rated the 6th most important media innovation in the US, 2008. Creating a congruent "smart finance” process is a personal aim and also the subject for his upcoming doctoral thesis. 

''Personal contacts are often preferred to an algorithm, but when it comes to home mortgages, I believe velocity, simplicity and price will determine customer choice. It is the right time for Swedish home mortgage owners to finally get the interest rate they deserve for their excellent performance.''

''Personligt möte är ofta att föredra framför en algoritm, men när det handlar om bolån så tror jag att hastighet, tillgänglighet och pris kommer att vara vägledande för kunderna. Det är dags för Sveriges bolånekunder att få en konkurrensutsatt ränta som står i paritet med hur fantastiskt väl de sköter sina bolån.''

JORDAN NASSER, CHIEF MARKETING OFFICER

BIO

Jordan Nasser left Warner Bros. in 1999 to start his career as one of the first US based employees hired by the global fashion retailer H&M. Known as the founder of H&M’s social media strategy in 2006, he moved to Stockholm in 2008 and was appointed Global Head of New Media (Digital Marketing). He and his team expanded social media and digital ad buying to all markets, created the mobile channel and top ranking mobile apps, and developed a customer database strategy, in addition to overseeing hm.com. In 2010 he was promoted to Global Head of Digital, working with the design and strategy integration of hm.com and its selling channels. Jordan left H&M in 2014 to pursue a career as an author and published three novels. He resumed his career as Director of Brand & Marketing with Looklet, a digital fashion photography studio, in 2016. He was recruited to enkla.com in 2018 as CMO, to oversee brand and visual identity, marketing and communications.

''I am excited to take 15 years of fashion marketing experience and apply it to the financial services sector. At enkla.com, we have the potential to help so many homeowners, and I'm looking forward to showing them how easy it can be.''

''Det ska bli väldigt spännande att ta 15 års erfarenhet av marknadsföring från modebranschen och tillämpa den på finansiella sektorn. På enkla.com har vi potential att hjälpa så många bostadsägare, och jag ser fram emot att visa dem hur lätt det kan vara.''

DAVID MOBRAND, HEAD OF DEVELOPMENT

BIO

David began his programming career in 1986 when he started writing his first lines of code on a Commodore 64 he got for Christmas. After studying computer science and creative programming, he pursued a career within web development and system design, building web sites and systems for prominent companies such as Astra Zeneca and Volvo. In 2006 he established his own consultancy company to work with an impressive list of clients; Live Nation, Ericsson R&D, MasterCard, Bonnier, Chimney pot, DallasSTHLM, Depeche Mode, Schering-Plough, Vattenfall, ABBA, Absolut Vodka, RBS and many more. David joined Lånbyte.se in 2013 to oversee and develop the digital platforms, software and algorithms, and continues his role with the transition into enkla.com. 


 

Policy

Vi ställer höga krav på integritet, säker hantering av din digitala data och dina personuppgifter. Vi värdesätter dig som kund, därför ser vi till att vår avancerade teknik skyddar dig varje steg på vägen.

Nedan kan du läsa mer om detta samt andra områden som vi på enkla.com tycker är extra viktiga att jobba med.

SwedSec

Alla bolånehandläggare på enkla.com är SwedSec licensierade. 

 
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For press inquiries, please contact [email protected].