Mortgage calculator: what does your loan cost?

See what a mortgage costs at the institution you choose: payment before and after tax, contribution fee, charges and the total cost over a period. Contribution rates and fees come from the institutions' own price lists.

Home and loan

Property type

Property value

DKK

Amount you want paid out

DKK

Institution

Alphabetical order – not a ranking.

Loan type

The rate is fixed for the entire term. Can always be repaid at a price of no more than 100.

Interest rate (excl. contribution fee)

Average for new loans in August 2026 (Danmarks Nationalbank). Enter the rate you are offered.

Price

Find today's price at TotalkreditThe default rate already includes a typical price discount, so it goes with a price of 100. If you enter the rate from the price list (the bond's interest rate), also enter the price.

Term

years

10–30 years.

Interest-only years

years

0–10 years.

Comparison period

Bank fee

DKK

Added to the loan. Ask your bank.

Include KundeKroner

Assume the discount continues after 2029

Totalkredit states that all private customers with a Totalkredit loan can get a KundeKroner discount of 0.25% of the outstanding debt per year until 31/12/2029. What happens after that has not been decided – we assume 0% from 2030. Source

Tax and deductions

Household

Municipal tax

National average 25%.

Member of the Church of Denmark

Church tax 0.7% (average).

Other interest expenses per year

DKK

E.g. interest on car loans or other loans. They use up the higher deduction threshold.

Your tax relief is about 33% up to DKK 100,000 and 25% above that.

The loan would be 86.8% of the property's value. The mortgage limit is 80%.

You can receive at most about DKK 3,142,975 paid out.

How we calculate

The loan principal is set so that you receive the amount you want after price loss, price deduction, commission, fees and registration duty are added to the loan.
The contribution rate is weighted by how much of the loan falls in each loan-to-value band and is kept fixed for the whole term.
Monthly payments. Tax relief is calculated on interest and contribution fee using the 2026 rates.
The effective rate is calculated by us from the payments and the amount paid out – it is not the bank's APR.

Read the full method and all assumptions

Questions for your bank meeting

What is the contribution rate on my loan, and how is it calculated (loan-to-value bands, interest-only surcharge, discounts)?
What is the total cost over 10 years including all fees – both the institution's and the bank's?
Which price is the offer based on, and what does a fixed-price agreement cost?
What is the APR on the offer, and what assumptions is it based on?
Which fees does the bank charge for arranging the loan?
Are there discounts – such as KundeKroner – and how long do they apply?

realkredit.ai provides general information and calculations – not personal, legal or financial advice, and nothing here is legally binding. The figures are indicative and based on your own numbers and the prices we have verified. Always check your loan offer, and talk to your bank, an independent adviser or a lawyer before you decide.