Property
Denmark — Property: Mortgage Availability
Danish mortgage-credit loans are capped at 80% of value for owner-occupied homes, 75% for recreational homes and 60% for commercial property.
VerifiedGovernment / official sourceFinanstilsynet — Mortgage-Credit Loans and Mortgage-Credit Bonds ActLast reviewed: 2026-10-23
Why this matters
Understanding mortgage availability is crucial for securing financing and proceeding with property purchases in Denmark, as it can significantly impact the purchasing process.
Key facts
- The Act sets an 80% lending limit for owner-occupied all-year homes, co-op housing and private rental residences.
- Recreational dwellings are capped at 75%, office, retail and industrial property at 60%, and other property including unbuilt sites at 40%.
- Valuation is on market value, and conditions behind a particularly high price are disregarded.
- The limit applies when the loan is granted. Bank top-up financing above 80% was not covered, so ask lenders.
Steps
- Apply for a Mortgage — Contact multiple banks and credit unions for mortgage offers. Provide necessary documents such as ID, proof of income, and a credit report.