Top-up loan: how much can you borrow against your equity?

See how much you can borrow on top of your current mortgages, and what it costs. A top-up loan sits behind your existing debt and therefore in the most expensive loan-to-value bands.

Home and debt

Property type

Property value

DKK

Current mortgage debt

DKK

Outstanding debt on all your mortgages.

Amount you want paid out

DKK

Empty = we calculate the largest possible loan.

The top-up loan

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

Interest-only years

years

Bank fee

DKK

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

Enter interest + contribution fee on your current loans per year. They use up the higher deduction threshold, so the relief for the top-up loan is more accurate.

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

You can receive at most about: DKK 682,975
Room up to the lending limit (80%): DKK 700,000; Principal before costs.

The room is calculated from the value you entered. The institution values the home itself before you can borrow.

If you have bank loans secured on the home, this may affect how much you can borrow with a mortgage.

The loan's position and contribution fee

Loan-to-value range: 62.5% – 80%
Top-up loan contribution rate: 1.20%
Totalkredit: weighted rate 0–80%: 0.738%

A top-up loan sits behind the debt you already have – in the top loan-to-value bands, where the contribution fee is highest. Its rate is therefore usually higher than the weighted rate for a single loan from 0%. Consider combining the loans into one new loan.

The top-up loan

Payment in the first month before tax: DKK 3,961
Average per month in year one after tax: DKK 2,981
Principal: DKK 700,000
Paid out: DKK 682,975
Effective rate: 5.66%; Calculated by us – not APR.
Total cost over 10 years after tax: DKK 240,591

Price loss	DKK 0
Price deduction	DKK 1,400
Settlement commission	DKK 1,050
Arrangement commission	DKK 0
Processing fee	DKK 4,000
Registration duty	DKK 10,575
Bank fee	DKK 0
Total (incl. price loss)	DKK 17,025

Source: price list (totalkredit.dk) · valid from 1 July 2026 · checked 8 October 2026

Source: fees · valid from 1 July 2026 · checked 8 October 2026

The rate is Danmarks Nationalbank's average for August 2026.

How we calculate

The room is the lending limit (80% or 75% of the value) minus your current mortgage debt.
The top-up loan's contribution rate is weighted only over the bands the loan actually occupies.
Payment, tax and costs are calculated as in the loan calculator.

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 fees does the bank charge for arranging the loan?
Which loan types can I get with my debt-to-income ratio and loan-to-value – and why?

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.