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.

Home and loan

Property type

Property value

DKK

Amount you want paid out

DKK

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 Jyske RealkreditFind today's price at Nordea KreditFind today's price at Realkredit DanmarkFind today's price at TotalkreditSame price for all institutions.The 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

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 same loan at all institutions

Sorted by total cost over the period before tax (interest, contribution fee, refinancing, price loss and fees) with the same rate and price for all. This is not a recommendation.

Comparison of institutions
Institution	Contribution rate (weighted)	Payment month 1 before tax	Avg. per month year 1 after tax	One-off costs	Refinancing (10 yrs)	Effective rate	Total cost 10 yrs before tax	Total cost 10 yrs after tax	Outstanding after 10 yrs
Nordea Kredit	0.514%	DKK 16,164	DKK 12,538	DKK 52,642	DKK 0	4.94%	DKK 1,342,576	DKK 940,092	DKK 2,417,918
Realkredit Danmark	0.488%	DKK 16,138	DKK 12,521	DKK 60,321	DKK 0	4.93%	DKK 1,346,208	DKK 944,736	DKK 2,424,001
Jyske Realkredit	0.542%	DKK 16,266	DKK 12,616	DKK 58,258	DKK 0	4.98%	DKK 1,358,377	DKK 953,347	DKK 2,422,366
Totalkredit	0.716%	DKK 16,052	DKK 12,455	DKK 54,701	DKK 0	5.09%	DKK 1,377,033	DKK 966,450	DKK 2,419,550

0 of 2 selected

One-off costs = price deduction, settlement commission, arrangement commission, processing fee and registration duty. Total cost = interest, contribution, refinancing, price loss and fees in the period.

Totalkredit: 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.

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

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.

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 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?

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.