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Find and calculate the best mortgage

Are you looking for a mortgage for the purchase of owner-occupied housing? Or do you seek loans for rebuilding the house?

Realize your housing flows with an advantageous mortgage.

On this page you get:

  • Good advice in connection with mortgages and the admission of loans to housing.
  • Insight into the housing finance market.
  • Overview of your options for taking a cheap mortgage.

Read about the best mortgage here at Gandalf – and get an insight into your options for borrowing money for housing.

Such can Gandalf help you

An online mortgage can come in many shades – but how do you find the right solution for you?

Gandalf has just been developed for the purpose of making your loan hunt far easier and more manageable.

With a look at Gandalf you will soon find that we have collected a large number of the best and most popular online loans in the Danish loan market today.

Looking for a loan that can cover the large housing investment, you can easily filter the list so that you only view the loans that can offer you the desired loan amount.

How to get a quick overview of all the interesting loan options for you.

Our mission is to make the loan market more transparent and accessible to you as a consumer so you do not have to worry about being cheated or guilty.

Gandalf shows you all the necessary loan information, including:

  • Price
  • loan terms
  • Requirements and conditions

How to get insight into the various parameters that can determine your choice of loan.

Our comparative service is 100% free and non-binding for you. You must therefore not pay a fee or bind you when using our service.

If you are interested in learning more about Gandalf as a company, please click on the Advertising Information page here .

What is a mortgage?

A mortgage is a loan that is included in the property you own. The home is a security for the loan to the creditor.

At a mortgage lender you can borrow up to 80% of the value of the property. The remaining 20% ​​you usually have to hold or borrow in another way.

This is where the mortgage comes into the picture.

A mortgage taken to finance the part of the house purchase that is not covered by the mortgage.

IMPORTANT! Compared to a mortgage, housing loans are often offered at a slightly higher rate.

We therefore recommend that you first pay off your mortgage at the bank, after which you can start paying off on the mortgage loan.

At Gandalf you can compare home loans

When you want to take out a mortgage, you should look at the mortgage rate and ASD (Annual Costs Percentage).

Especially the ASD can tell you how much your home loan will cost you in interest, fees and other costs.

Use our free and simple loan calculator to calculate your mortgage.

How to compare the individual mortgages based on ASD, interest, your monthly payment and total repayment.

NOTE! Calculate and compare mortgage by choosing ÅOP over the same year, and enter the same loan amount and repayment period.

This gives you the most accurate calculation and comparison and mortgages.

A mortgage typically implies:

  • A larger loan amount, depending on the price of the property.
  • A long maturity, which often extends over 20-30 years.
  • A reasonable rate , typically available from 6-10%.

You can choose to borrow a mortgage at the bank, where you will normally be offered a cheap rate on your home loan.

As an alternative to mortgage loans at the bank, you can choose to apply for loans for housing at an online loan provider .

Here you can borrow up to 400,000 kroner, which you can spend on whatever you want – such as buying a home.

Are home loans and mortgages the same?

A mortgage is often referred to as a mortgage because these concepts are very similar to each other.

Housing and housing are generally considered synonyms – however, there are certain differences in mortgage and mortgages when it comes to the purpose of the loan.

In general, mortgage lending is intended for housing loans, whereas loans for houses can also be used as loans for conversion and extension of the house.

Therefore, you will typically encounter mortgages as a more general term that can cover loans for home purchase as well as loans for the renovation of your property.

At Gandalf you will find a wide range of online loans, which can be used as home loans and loans.

However, please note that online loans are not offered exclusively as loans for housing.

You can use the loan for whatever you stand and lack.

This can of course be of benefit to you who want to borrow for the purchase of housing and for various expenses that are not necessarily linked to home financing.

NOTE! You can often negotiate a more reasonable interest rate on home loan at the bank, as the loan is created for one specific purpose.

Conversely, the interest rate on a mortgage with an online loan provider could not be negotiated. The mortgage rate is determined by the provider based on your interest rates and your credit rating.

However, you will be able to apply a flexible home loan that you can spend on everything from home purchases to domestic renovations.

Before applying for loans for housing

Before you sign the contract for a mortgage, it’s important that you have made some considerations.

First and foremost, you must be sure that your finances can hold the home loan as well as the actual home you want to buy.

Next, do not forget to pay off debts if you want a cheap mortgage for the purchase of your dream home.

Below you can read more about the individual considerations regarding loans for housing.

Make a detailed budget

Before you start comparing mortgages, it’s a good idea to get clear about your room.

You must Know how much you really are able to pay in rent a month.

When you raise a loan for the financing of housing and then deduct the loan, it is of course important that you are realistic.

What do you actually afford to pay in installments on a mortgage?

In order to determine this amount, you need to set a detailed budget to get an accurate overview of your finances.

Choose a suitable accommodation

It may be tempting to realize the dream of the perfect home.

But it’s important to be realistic so you do not get an overly tight economy.

Once you know your budget and thus also the amount you can spend for the rent, you can choose a property that suits your financial situation.

If you have found the dream house, the next step is to find ASDortunities for housing finance.

You start best by comparing housing loans with different banks and providers.

While comparing, it’s important that you always have your private finances in mind.

This is especially true if you have other debts that you must continue to deduct while deducting your home loan.

Choose mortgage with care

Have you taken a consumer loan that you still deduct? Or have you bought a car that you still pay off every month?

Remember your existing expenses when choosing a loan to finance the property.

In some cases, you can get rid of the ‘old’ debt in connection with the taking up of a mortgage.

When choosing a mortgage, take the loan that suits you best.

Here you can choose whether your mortgage should be more flexible, cheaper or more.

Of course, it is first and foremost important that you ensure that you can afford to repay all your loans – no matter what solution you choose.

At the same time, it is comparing the costs associated with existing loans:

  • Do you control how much your other debt will cost you in installments, interest, fees and more?
  • How do you rate your debt when comparing the total cost of varying loans?
  • Do you have the ASDortunity to save money by paying old loans?

Therefore, before you apply for a mortgage, you should consider how your finances are related.

This avoids the inclusion of a mortgage that your private economy can not hold.

Pay old debt and save money

Put in another way: If you want to get rid of your existing debt, you should take a loan for housing that could allow a faster payment of your current debt.

That is, you need to take a mortgage that will allow you to turn up your other services.

In most cases, it will also help to save you a lot of money, as small loans often cost more than big loans.

Be aware of ASD

When choosing between different mortgages, you should especially stick to the loans’ ASD.

The figure tells you how much it all costs you to raise the loan annually.

If you want to compare home loans before you decide on a particular, it is best to compare ASD.

This ensures that you get the cheapest mortgage.

In addition to the ASD, you should check the flexibility of the individual loans – such as the possibility of repayment periods.

It may be that you already know that you need some more air in the budget on certain months of the year.

Here, a repayment period could be appropriate.

Mortgages: Interest and fees

As with all other types of loans, the mortgage rate also varies considerably from bank to bank.

Therefore, you should review the market for the best mortgage rates and fees before you make the final substitution.

NOTE! Take care of interest rates at the individual banks.

An interest rate on a mortgage at a bank can have an interest rate spread of as much as 10%, which means you do not just have to pay for mortgage loans for granted.

It can cost you expensive if you do not negotiate the best housing rate.

In addition, there are fees associated with the mortgage.

It is therefore important that you also look at the total costs that come with your mortgage. For example, establishment fees may vary significantly from provider to provider.

In addition, do not be afraid to change banks if you can offer better mortgage rates and fees elsewhere.

Often you can make the banks compete against each other as they are all of course interested in getting you as a customer.

You can thus get advantageous loan offers from the different banks, from where you can find the best solution for your needs.

TIP: Always check all your loan options with different banks and providers before accepting the fees and interest rates on your home loan.

At online lenders, you can also find loans where the mortgage rate is attractive.

Compare and calculate fees and interest rates on online mortgages, and thereby find the best loan offer for you.

Housing Financing: 5 concepts you should know

Should you find the dream house for you and your family, it is no problem to decide how many rooms the home will have, where it should be, and how much it must cost.

On the other hand, it may be a bit of a jungle to find out about the many professional concepts used when buying or selling a home.

Here is a review of the most important 5 concepts that you should know when you borrow for home purchase.

1. Property purchase certificate

With a home buyer in hand, you can turn on the moment you find your dream home.

The buyer’s certificate shows the seller that your bank or mortgage bank is responsible for lending money, up to a certain amount , to a home.

That way, the seller can see that you are serious and know that you have the funding in place.

You will also hear that people call a home purchase certificate for a loan certificate .

2. Cash payment

You would typically borrow most money to finance your home.

But there will usually also be a cash payment.

This payment consists of approximately 5% of the total purchase price – and you have to save the money yourself.

There is also an option to choose a higher cash payment on your new home if you can afford it.

Normally, it will not be possible to borrow a mortgage without payment.

3. Bank loans with security in the home

If you do not own a savings that cover the last 15-20% of the purchase price, you can take a bank loan with certainty in the home.

The maturity period is typically 30 years, and the interest rate is higher than on a mortgage.

This bank loan equals the mortgage we refer to on this page.

4. Unemployment

If you have expensive bank or consumer loans, it may be beneficial for you to take a loan with deduction so you can pay off on the more expensive debt first.

On floating-rate loans, repayment is popular.

Whether you intend to rent or own your next home, you can find ASDortunities for home financing online.

There is no need to book meetings and call around to banks or mortgage institutions when you can find all the information you need online.

Use a few minutes in front of the computer and find funding options online.

5. Enlightenment

A registration is a public registration of rights over real estate.

This is a security act, where you as owner secure your right to other subsequent rights that are contrary to your own.

You must pay a fee for registration, and this fee is called for registration fee .

The property tax levied on property ownership changes consists partly of a fixed fee and partly of a percentage of the purchase price.

Once you have purchased a new home, it is extremely important that you make a registration of your new shot as soon as possible, as this is the official takeover of the lap.

That is, even if you have bought and paid a new home, it is not your official until it has been litigated.

When you buy a new home, you must write a new shot.

Once the lap is written, it is the actual registration of the lap, which is “registration”.

Your options for loans for home purchase

When choosing a home purchase loan, it is difficult to assess the many different types of loans for home purchase financing.

Your personal financial situation greatly depends on the type of mortgage that will be the best for you.

But your personal preferences also come in, as different types of loans have each their pros and cons.

You must therefore choose the home loan that is best for you.

Mortgage Loans (What is Mortgage?)

Among the options for lending money for home purchase, there are several types of mortgage loans.

To distinguish between these loans, you should consider the interest rate write-down.

Basically, some types of mortgage loans have fixed interest rates, while others offer a variable rate .

Fixed rate vs. variable fast advancement

Fixed-rate mortgage loans

  • When you take a fixed-rate mortgage, you bind yourself to a specific rate for a specific period, for example, for 10, 20 or 30 years.

Variable interest rate mortgage

  • With a floating rate mortgage, the rate varies from year to year. As a rule, interest rates are lower than on fixed-rate loans. However, the risk is also greater as interest rates can rise.
  • Fixed-rate loans or Flex loans must be refinanced after a period of 1, 2, 3, 4, 5 or 10 years.

The advantage of the fixed rate is, in particular, that it gives more security as you know the fixed monthly benefit.

Conversely, with a variable rate you can find that it falls while borrowing.

And that means your loan will be cheaper than expected. However, a variable rate may also increase, which will cause your loan to cost more than expected.

What type of mortgage you choose depends especially on the air in your budget.

Fixed rate cash loans

You can also finance your home purchase with a cash loan at a fixed rate.

A cash loan is appealing, as it is the easiest way to borrow housing, which makes the loan process more manageable.

If you choose to take out a cash loan when you want to find housing financing, you must be aware of different conditions for taking up major cash loans.

Requirements for you as borrowers

Loan providers of cash loans typically add the following requirements to you:


  • Borrowers make the condition that you have a certain minimum age in order to borrow a loan.
  • Some providers set the limit at 18 years – however, most people require a higher age.


  • As a borrower, you must not register as badly paid in the RKI or Debtor Registry.


  • You must be able to document fixed income as well as submit a budget, annual report and the like.

Based on the above requirements, the loan provider assesses your creditworthiness and gives you an offer for loans for housing.

In this credit rating, the interest rate on your mortgage is also determined.

Bank loans rather than housing loans

If you are looking for a bank loan, you can either borrow a loan in your own bank or seek another bank.

Usually the mortgage size is smaller than the mortgage loan – but still large enough to meet your home flows.

The interest rate on bank loans is usually somewhat higher than on a mortgage loan.

In addition, mortgage loans in the bank always have a variable rate.

You can not choose a fixed-rate loan if you borrow the money in the bank.

In return, you can find a mortgage at the bank with an equal repayment period, such as a mortgage, for example 20 or 30 years.

The bank’s lending rate is typically found on the bank’s website.

However, it may be advisable to contact your bank adviser to negotiate a lower interest rate.

Consumer loans for home purchase

Should you use quick cash to pay a deposit on a nice rental property? Or do you want a home loan to rebuild your home?

Then a consumer loan can be the perfect solution for you.

You can easily borrow anywhere from $ 5,000 – 500,000 – completely without having to indicate what the money will be used for.

However, it may be a challenge to find the cheapest and best mortgage on the online market.

But fortunately there is advice.

With online comparison tools like Gandalf, you can quickly get an overview of your housing finance options.

Loan providers offer home loans under different terms.

It is therefore wise to investigate different loans for housing and housing before you decide.

Some loans are organized for quick repayment, while others are adjusted for a longer repayment period.

There are usually very few requirements for you when you need to take up a consumer loan online.

GOOD TIP: Apply for a loan at several loan providers at once. You do not bind yourself to a deal before you sign it with your NemID.

If you apply for more places, you may want to compare the different loans for housing before you decide.

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