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One missing detail: does “bathrooms” mean full replacement or mostly cosmetic work? The same applies to the kitchen. Keeping layouts and existing service locations is very different from moving plumbing or rebuilding wet areas. I would also ask whether the 115 days refers to elapsed planning...

For that many workstreams, I would treat SEK 298,800 as a working allowance rather than a settled budget. I’d want at least 20% held outside the quoted work, potentially more until moisture, plumbing access and the electrical scope are clearer. Ask every contractor to list exclusions explicitly...

A simple matrix could help: same building versus nearby building, completed versus active, developer sale versus resale, and cut versus uncut. Put floor, size, monthly cost and finish beside each entry. That should expose whether “condition” is really carrying several unrelated factors.

A simple break-even calculation helps with the arrangement fee. Take the fee difference between two offers and divide it by the expected interest saving per month. If it takes nearly the full three years to recover the higher fee, the supposedly cheaper rate offers little benefit—especially if...