--- title: "realkredit.ai – Understand your Danish mortgage" description: "Independent calculators, official rates and verified prices from Jyske Realkredit, Nordea Kredit, Realkredit Danmark and Totalkredit." url: https://realkredit.ai/?lang=en language: en-GB last_verified: 2026-10-08 publisher: realkredit.ai (Benjamin Jochum) --- # realkredit.ai – Understand your Danish mortgage Independent calculators, official rates and verified prices from Jyske Realkredit, Nordea Kredit, Realkredit Danmark and Totalkredit. ## Principles - **Verified prices:** from the institutions' own price lists, dated. - **Official rates:** Danmarks Nationalbank, checked weekly. - **Independent:** no brokering, no payment from institutions. ## The institutions - [Jyske Realkredit](https://realkredit.ai/institutter/jyske-realkredit?lang=en) – price list valid from 1 October 2026 - [Nordea Kredit](https://realkredit.ai/institutter/nordea-kredit?lang=en) – price list valid from 23 February 2026 - [Realkredit Danmark](https://realkredit.ai/institutter/realkredit-danmark?lang=en) – price list valid from 23 September 2026 - [Totalkredit](https://realkredit.ai/institutter/totalkredit?lang=en) – price list valid from 1 July 2026 ## Pages - [Danish mortgage institutions: fees and rates 2026](https://realkredit.ai/institutter?lang=en): Compare weighted contribution rates, processing fees and price deductions at the four Danish mortgage institutions – from their own price lists. - [Jyske Realkredit: contribution rates and fees 2026](https://realkredit.ai/institutter/jyske-realkredit?lang=en): Verified contribution rates, interest-only surcharges and fees at Jyske Realkredit – with source and date. - [Nordea Kredit: contribution rates and fees 2026](https://realkredit.ai/institutter/nordea-kredit?lang=en): Verified contribution rates, interest-only surcharges and fees at Nordea Kredit – with source and date. - [Realkredit Danmark: contribution rates and fees 2026](https://realkredit.ai/institutter/realkredit-danmark?lang=en): Verified contribution rates, interest-only surcharges and fees at Realkredit Danmark – with source and date. - [Totalkredit: contribution rates and fees 2026](https://realkredit.ai/institutter/totalkredit?lang=en): Verified contribution rates, interest-only surcharges and fees at Totalkredit – with source and date. - [Loan types: fixed rate, F-kort, F1, F3 and F5](https://realkredit.ai/laantyper?lang=en): The difference between fixed rate, short rate and adjustable-rate loans – and which institutions offer what. - [Method and assumptions](https://realkredit.ai/metode?lang=en): How we collect, check and use the rates – and which simplifications the calculators rely on. - [Sources: price lists, duties and rules](https://realkredit.ai/kilder?lang=en): All sources behind the figures on realkredit.ai with valid-from date and date of last check. - [Disclaimer](https://realkredit.ai/ansvarsfraskrivelse?lang=en): realkredit.ai provides general information and calculations – not personal advice. - [Privacy policy](https://realkredit.ai/privatliv?lang=en): Which data realkredit.ai processes – and which it does not. No cookies for statistics or marketing. - [Cookie policy](https://realkredit.ai/cookiepolitik?lang=en): Which cookies and local storage realkredit.ai uses, how you give consent, and how to withdraw it. - [About realkredit.ai](https://realkredit.ai/om?lang=en): An independent project about Danish mortgages – no loan brokering and no payment from institutions. - [Legal notice](https://realkredit.ai/udgiver?lang=en): Publisher of realkredit.ai: Benjamin Jochum, Copenhagen. CVR 42790796. - [Mortgage calculator: what does your loan cost?](https://realkredit.ai/beregn/laan?lang=en): Calculate the payment before and after tax, contribution fee, charges, effective rate and total cost of a mortgage at Jyske Realkredit, Nordea Kredit, Realkredit Danmark or Totalkredit. - [How much home can I afford? House, flat or holiday home](https://realkredit.ai/beregn/hvad-kan-jeg-koebe-for?lang=en): Find the highest home price based on your income, savings and debt – with down payment, debt-to-income ratio, disposable income and the Danish FSA's growth-area guidance. - [Does it pay to refinance your mortgage?](https://realkredit.ai/beregn/omlaegning?lang=en): Calculate refinancing your mortgage – to a lower or higher rate – after tax, with redemption, costs, break-even and net gain over time. - [Top-up loan: how much can you borrow against your equity?](https://realkredit.ai/beregn/tillaegslaan?lang=en): See how much you can borrow on top of your mortgage, what the top-up loan costs, and why the contribution fee is higher in the upper loan-to-value bands. - [Home equity: how much of your home is debt-free?](https://realkredit.ai/beregn/frivaerdi?lang=en): Calculate your home equity nominally and at today's redemption price, your loan-to-value and available mortgage room – and see how it develops over time. - [Compare Danish mortgages at Jyske Realkredit, Nordea Kredit, Realkredit Danmark and Totalkredit](https://realkredit.ai/sammenlign?lang=en): The same loan at all four institutions: contribution, fees, payment after tax and total cost – new loan, refinancing or two loans side by side. Neutral and ad-free. - [Danish mortgage rates – Danmarks Nationalbank figures](https://realkredit.ai/renter?lang=en): Average effective rate and contribution rate for new Danish mortgage loans – short rate, F1, F3, F5 and fixed rate – from Danmarks Nationalbank, updated weekly. - [Danish mortgage FAQ – answers in Danish and English](https://realkredit.ai/faq?lang=en): Answers to the most common questions about Danish mortgages: loan types, contribution fees, bond prices, refinancing, buying a home, home equity and tax. - [Glossary: Danish mortgage terms explained](https://realkredit.ai/ordbog?lang=en): Short explanations of Danish mortgage terms – from repayment and contribution fee to price deduction, home equity and APR. - [Prepare for your bank meeting with AI – Danish mortgages explained](https://realkredit.ai/ai?lang=en): Ask about your Danish mortgage. The AI assistant calculates with realkredit.ai's calculators and gives you questions for the bank – without personal advice. --- > 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. HTML version: https://realkredit.ai/?lang=en · Rates checked 8 October 2026 · Error? digitaleannoncer@gmail.com