Mortgage Calculator in Denmark

Showing all 15 offers
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High amount
Matchbanker
Loan amount DKK 1,000 – DKK 500,000
Interest from 2.04%
Min. age 18 years
Duration 1–15 Years
Payout Varies
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Total credit amount: 40,000 kr. - Maturity: 5 years - Monthly payment from: DKK 755 to DKK 1,038 - APR from: 2.04% to 24.99% - Maturity: 1 - 15 years - Total cost of credit from DKK 5,274 to DKK 22,199 - Total repayment from 45,274 kr. to 62,199 kr. - Max APR 24.99%.
High amount
Letfinans
Loan amount DKK 10,000 – DKK 500,000
Interest from 3.69%
Min. age 21 years
Duration 1–15 Years
Payout Varies
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Price range: Total credit amount 150,000 kr. APR 4.11%. Var. debtor interest rate 3.55%. Origination fee 2,550 kr. Total repayment 193,325 kr. Total credit costs 43,325 kr. APR range 3.69% - 24.99%. Performance depends on your credit rating. Possible to cancel the credit agreement within 14 days.
High amount
MyLoan24
Loan amount DKK 5,000 – DKK 500,000
Interest from 2.04%
Min. age 18 years
Duration 12–180 Months
Payout Varies
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Total credit amount: DKK 175,000. - Maturity: 11 years. APR: 7.45% - Variable borrowing rate: 7.00% - Set-up costs: DKK 1,750 - Expected monthly payment: 1,924 kr. - Total repayment: 253,968 kr. - Maturity: 1-15 years. - APR: 2.04-24.99% - Max APR: 24.99%.
High amount
Weblånet
Loan amount DKK 25,000 – DKK 500,000
Interest from 7.53%
Min. age 20 years
Duration 1–15 Years
Payout Varies
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At 7.00% variable debit interest. Price example: Total credit amount DKK 238,000. APR 7.86%. Expenses: DKK 2,380. Total repayment: 307,522 kr. Total credit costs: 69,522 kr.
High amount
Arcadia Finans
Loan amount DKK 25,000 – DKK 500,000
Interest from 11.85%
Min. age 18 years
Duration 1–15 Year
Payout Varies
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Loan 30,000 DKK, loan term over 4 years, variable interest rate: Monthly payment 780 - 900 DKK, borrowing rate 9.95% - 18.95%. APR before tax from 11.85% - 20.84%. Total credit costs DKK 7,402 - 13,119, and the total amount repaid from DKK 37,402 - 43,119. APR 4.9-24.9%. Maturity 1-15 years. * The monthly installment is calculated with an interest rate of 5%.
High amount
Lendo
Loan amount DKK 10,000 – DKK 350,000
Interest from 7.43%
Min. age 18 years
Duration 1–15 Years
Payout Varies
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Calculation example: Total credit amount DKK 10,000. Maturity 3 years. APR 7.95%. Variable borrowing rate 7.00%. Establishment 100 kr. Total repayment 11,232 kr. Term 1-12 years. Interest rate spread 0.00-24.24%.
High amount
Bettercompared
Loan amount DKK 25,000 – DKK 400,000
Interest from 3.6%
Min. age 20 years
Duration 12–180 Months
Payout Varies
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DKK 250,000. - Variable debtor interest rate: 7%. - APR: 7.27%. - Establishment costs: DKK 2,500. - Estimated monthly payment: DKK 2,756. - Total repayment: DKK 322,888. - Total credit costs: DKK 72,888. - Maturity: 1 - 15 years. - APR: 4 - 24.99%. - Max APR: 24.99%.
High amount
Facit Bank
Loan amount DKK 10,000 – DKK 300,000
Interest from 9.39%
Min. age 21 years
Duration 36–120 Months
Payout Varies
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Total credit amount: DKK 40,000. Maturity 60 months. Setup costs DKK 1,600. Variable debtor interest rate 8.21 - 16.08%. APR 11.64 - 19.72%. Monthly payment incl. admin fee DKK 871 - 1,019. Total credit costs DKK 12,254 - 21,120. Total repayment amount DKK 52,254 - 61,120.
High amount
PayMark Finans
Loan amount DKK 10,000 – DKK 150,000
Interest from 19.65%
Min. age 20 years
Duration 36–102 Months
Payout Varies
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DKK 40,000 over 84 months. Variable debtor interest rate: 19.56%. APR: 22.92%. Monthly payment: DKK 908. Total repayment: DKK 76,270 Total credit costs: 36,270 kr. Set-up costs and payment fees are included in all calculations. Based on payment via HomeBanking. Right of withdrawal 14 days.
High amount
Kliklån
Loan amount DKK 10,000 – DKK 200,000
Interest from 24.51%
Min. age 20 years
Duration 48–96 Months
Payout Varies
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Representative example: DKK 10,000 over 84 months. Fixed debtor interest rate: 20.98%. APR: 24.51%. Monthly payment: DKK 235. Total repayment: DKK 19,711. Total credit costs: DKK 9,711. Setup costs and payment fees are included in all calculations. Based on payment via Betalingsservice. 14 days right of withdrawal.
High amount
L'easy Kontantlån
Loan amount DKK 10,000 – DKK 150,000
Interest from 19.65%
Min. age 20 years
Duration 36–102 Months
Payout Varies
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DKK 10,000 over 84 months. Variable debtor interest rate: 19.56%. APR: 22.92%. Monthly payment: 227 kr. Total repayment: DKK 19,067 Total credit costs: 9,067 kr. Set-up costs and payment fees are included in all calculations. Based on payment via HomeBanking. Right of withdrawal 14 days.
High amount
Viiga Lån
Loan amount DKK 10,000 – DKK 200,000
Interest from 21.56%
Min. age 20 years
Duration 48–96 Months
Payout Varies
Apply Now
Representative example: DKK 10,000 over 84 months. Fixed debtor interest rate: 20.98%. APR: 24.51%. Monthly payment: DKK 235. Total repayment: DKK 19,711. Total credit costs: DKK 9,711. Setup costs and payment fees are included in all calculations. Based on payment via Betalingsservice.
High amount
Unilån
Loan amount DKK 10,000 – DKK 100,000
Interest from 19.7%
Min. age 18 years
Duration 12–120 Months
Payout Varies
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Loan of DKK 50,000 over 72 months. Monthly payment: DKK 1,178. Debtor interest rate: 16.2%. APR: 21.1%. Credit costs: DKK 34,816. Total repayment: DKK 84,816. An administration fee of DKK 33 per month and a setup fee of DKK 4,000 are included in all calculations. 14-day right of withdrawal.
High amount
Creditstar
Loan amount DKK 5,000 – DKK 120,000
Interest from 23.49%
Min. age 21 years
Duration 6–84 Months
Payout Varies
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Representative example: A loan of DKK 100,000 at 22.25% nominal fixed interest rate with a maturity of 84 months gives an APR of 23.49%. The total amount to be repaid is DKK 129,500 distributed over 84 monthly installments of approx. DKK 1,540.
Kreditnu
Loan amount DKK 4,000 – DKK 25,000
Interest from 24.87%
Min. age 23 years
Duration 24 Months
Payout Varies
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Loan example: DKK 8,000 over 24 months. Annual debtor interest rate: 0%. APR: 24.87%. Monthly payment: DKK 416.67. Total repayment: DKK 10,000. Total credit costs: DKK 2,000. Calculation includes a 25% setup fee. Applicant must be between 23-70 years old and must not be registered in RKI or the Debtor Register.
Borrowing costs money. Borrowing costs money. If you cannot repay on time, it may affect your credit record and make future borrowing more difficult. Always compare the total cost of credit before applying.
All offers shown
Matchbanker
Recommended: Matchbanker Borrow up to DKK 500,000 with interest rates from 2.04%.
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LoanExpat may receive compensation from partners when you click or apply through links on this page. This does not affect our editorial content.

For expats in Denmark considering property ownership, understanding mortgage options is critical. A mortgage calculator helps estimate monthly payments based on loan amount, interest rate, and repayment period. This page provides a comparison of mortgage providers operating in Denmark, alongside crucial information for expats.

The comparison grid above allows you to filter and sort mortgage products by key features. Look for the Annual Percentage Rate (APR) which includes all associated costs, not just the interest rate, for a true cost comparison.

Understanding Danish Mortgages for Expats

Expats moving to Denmark face specific considerations when applying for a mortgage. Lenders assess creditworthiness, requiring proof of stable income, residency status, and often a CPR number. Foreign income sources may be accepted, but documentation requirements can be more extensive.

Key factors to evaluate when choosing a mortgage provider include:

  • Loan Amount and Duration: Ensure the provider offers loan amounts that match your property purchase budget and repayment terms (typically 1-15 years for these products) that align with your financial planning.
  • Interest Rates: Compare both the nominal interest rate and the effective APR. The APR provides a more accurate picture of the total cost of borrowing. Rates can be fixed or variable, each with different risk profiles.
  • Fees: Be aware of origination fees, setup costs, and monthly administration fees. These can significantly impact the overall cost of the mortgage. The provided data aims to give examples, but always verify current fees directly with the lender.
  • Eligibility Criteria: As an expat, confirm that you meet the lender’s requirements regarding residency, income, and employment status in Denmark. Some providers may have specific programs or requirements for non-Danish citizens.

Repayment Structures

Mortgages in Denmark often involve a combination of principal and interest payments. The term can significantly impact your monthly outlay and the total interest paid. Shorter terms mean higher monthly payments but less interest over time. Longer terms reduce monthly payments but increase the total cost.

For those new to the Danish property market, seeking advice from independent financial advisors specializing in expat services is recommended. They can help explain the nuances of Danish mortgage law and taxation.

How Mortgage Calculators Work

A mortgage calculator takes several inputs to estimate your potential monthly mortgage payment. The primary inputs are:

Principal Loan Amount:
The total sum you wish to borrow for the property.
Annual Interest Rate:
The yearly cost of borrowing, expressed as a percentage.
Loan Term (Duration):
The total number of years or months over which the loan will be repaid.

The calculator uses a standard amortization formula to determine the fixed monthly payment required to pay off the loan, including both interest and principal, over the specified term.

For example, using the data available:

  • Matchbanker DK offers loans from 1,000 kr. up to 500,000 kr. with terms from 1 to 15 years and APRs ranging from 2.04% to 24.99%. A loan of 40,000 kr. over 5 years could have monthly payments from DKK 755 to DKK 1,038.
  • Letfinans DK provides loans from 10,000 kr. up to 500,000 kr. with terms of 1-15 years. Their APR can range from 3.69% upwards. A representative example for 150,000 kr. at 4.11% APR shows monthly payments and total repayment costs.
  • MyLoan24 DK caters for loan amounts from 5,000 kr. to 500,000 kr. with terms ranging from 12 to 180 months (15 years). Their loan example for 175,000 kr. over 11 years indicates an APR of 7.45%.

These examples illustrate how different providers offer varying terms and rates. Always use the calculator with your specific figures to get the most accurate estimate.

Finding the Right Mortgage in Denmark

Securing a mortgage is a significant step for any expat aiming to establish themselves in Denmark. It’s advisable to get pre-approved for a mortgage before you start seriously house hunting. This gives you a clear budget and strengthens your position as a buyer.

Consider comparing various loan types available. While this page focuses on mortgage calculators, other loan types exist for different needs. You can explore general countries and loan types available through LoanExpat.com. For Denmark specifically, you can view all loan types in Denmark or focus on Denmark mortgage loans.

The providers listed offer different entry points for borrowing. For instance, Matchbanker and Letfinans appear to offer a broad range suitable for mortgages, with competitive minimum APRs. Other providers like Kliklån or Kreditnu focus on smaller loan amounts with higher APRs, which are not typically suitable for property purchases but are covered under general loan comparisons for Denmark, such as Denmark Personal Loans or Denmark Payday Loans.

Remember that while this tool provides comparisons and examples, it is not financial advice. Approval depends on individual circumstances and lender assessments. Always conduct thorough research and seek professional guidance before making any financial commitments.

To understand more about mortgage calculations broadly, refer to Mortgage Calculator guides by country.

What is an APR for a mortgage in Denmark?

APR (Annual Percentage Rate) is the total yearly cost of a loan, including interest, fees, and other charges. It provides a standardized way to compare the cost of different mortgage offers.

Can expats in Denmark get mortgage pre-approval?

Yes, expats can typically apply for mortgage pre-approval in Denmark. Lenders will assess your financial situation, including income, residency status, and credit history.

What is the typical mortgage term in Denmark?

For the loan products listed in the comparison table, terms generally range from 1 to 15 years. However, traditional Danish mortgages can sometimes have longer terms, often involving combination loans or specific bank arrangements.

Do I need a CPR number to apply for a mortgage in Denmark?

While not always strictly mandatory for the initial application, a CPR number (personal identification number) is generally required by most Danish banks and lenders to process a mortgage application and for subsequent steps like property registration.

Last updated: 22. June 2026

This calculator provides an estimate only. Actual terms depend on the lender and your credit assessment.

Estimated monthly payment: DKK 0