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If you are a EU or EEA citizen, then you are approved to buy a property in Denmark.

If you are not a EU or EEA citizen, then there are other requirements that must be met. 

• If you have had your address in Denmark for over 5 years, you are approved to buy a property (the 5 years doesn’t have to be for 1 continuous period). 
• If you have lived less than 5 years in Denmark, you will need to get approval from the danish justice department.

Typically you apply for a mortgage at the Danish banks. All banks have their own method of credit rating you. Therefore we advise that you get professional help, so you get the most out of your economy.

Your income and wealth are some of the main focus areas, when you are getting approved to buy a property. But also your current costs and loans, have great influence. 

It is possible to get a pre-approval so you know the maximum price you can look for. We help a lot of our customers getting pre-approved

Both fixed and variable interest, have good things to offer. But choosing the wrong options for your economy can have a great negative influence. 

There is no simple answer on what to choose, because both the economy and family situation (among other things) needs to be taken into consideration.

There are many different costs associated with owning a house. We like to divide all the costs in 4 different groups:

Mortgage: Your monthly cost on mortgage after taxes

Electricity, heat and water: monthly average payment

Ownership costs: Taxes, house insurance and other costs associated with the type of property. 

Maintenance: Do you have to maintain an apartment or a small farm?  

When you add up all the 4 groups, you have the total cost of owning a property.

The Danish financial market is always changing. Changes means possibilities and those can benefit you greatly. 

In the year of 2022, it was possible to restructure a loan that was made in 2020 and cut of over 30 % of the loan.