---
title: "Compare Danish mortgages at Jyske Realkredit, Nordea Kredit, Realkredit Danmark and Totalkredit"
description: "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."
url: https://realkredit.ai/sammenlign?lang=en
language: en-GB
last_verified: 2026-10-08
publisher: realkredit.ai (Benjamin Jochum)
---

# Compare Danish mortgages at Jyske Realkredit, Nordea Kredit, Realkredit Danmark and Totalkredit

Compare the same loan at Jyske Realkredit, Nordea Kredit, Realkredit Danmark and Totalkredit – with the same rate and price for all. The difference lies in contribution rates, fees and discounts from the institutions' own price lists.

The calculator is interactive on the HTML page. All inputs are kept in the address, so a result can be shared.

## How we calculate
- All institutions are calculated with the same rate, price, term and interest-only period. Contribution, fees and discounts are what set them apart.
- One-off costs = price deduction + settlement commission + arrangement commission + processing fee + registration duty.
- When refinancing, the net gain is the difference in outstanding debt plus the accumulated saving after tax.
- The order is a sort by one figure – not a recommendation. No row is highlighted.

Full method: https://realkredit.ai/metode?lang=en

## 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 does the refinancing cost in total, and when will I have earned it back after tax?
- Which fees does the bank charge for arranging the loan?
- Are there discounts – such as KundeKroner – and how long do they apply?

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> 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/sammenlign?lang=en · Rates checked 8 October 2026 · Error? digitaleannoncer@gmail.com