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Guides to buying a home, phase by phase
Ordered the way a home purchase actually unfolds. Start in the phase you are in.
62free guides
5phases: from saving up to life as a homeowner
8calculators that build on the numbers in the guides
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1
Get ready
18 guidesPrepare your finances and get a grip on the process
The four pillars of your home finances: how the bank's assessment fits together8 min.Meeting the bank about buying a home: how to prepare9 min.Documents for the bank when buying a home: your complete checklist5 min.Net worth when buying a home: what does the bank count?8 min.Debt-to-income ratio and the net worth stress test: what do 10 and 25 per cent mean?8 min.Principal on a home loan: why the debt can be higher than the proceeds5 min.Purchase budget: how much home can you afford?8 min.Buying a home step by step: 12 steps from budget to keys9 min.Mortgage loans and bank loans: understand the difference6 min.The Danish housing market: how to research prices, supply and time on market11 min.Fixed expenses for a family: budget per household6 min.Budget before buying a home: how to set it up6 min.Fixed or variable rate: monthly payment, bond price and outstanding debt explained10 min.Compare home loans: administration margins and fees at mortgage lenders and banks9 min.Debt-to-income ratio: what is it, and when is it too high?9 min.What does it cost to buy a house in 2026? The full calculation10 min.Disposable income in 2026: how much should you have left each month?8 min.Down payment on a home in Denmark in 2026: how much do you need to save?7 min.
2
Find your home
15 guidesSearch, assess and prepare for the right match: with overview and calm
Property portals: how to search for a home without drowning in listings4 min.Bidding rounds when buying a home in Denmark: rules, bids and conditions4 min.Building surveyor when buying a home: what can an inspection reveal?4 min.Energy labels when buying a home: understand consumption, costs and improvements4 min.Viewing a home in Denmark: checklist for before, during and after4 min.Local plans and building regulations: what can you change about the home?4 min.Buyer registers: how to get on estate agents' lists4 min.Prioritising your home requirements: how to find the right compromises4 min.Screening a home: red flags to check before a viewing4 min.Schools and childcare when buying a home: what to look into4 min.Condition report (tilstandsrapport): how to read it as a buyer5 min.Transport when buying a home: work out time, cost and everyday logistics4 min.Research the area before buying a home: check everyday life around the property4 min.Off-market homes: how homes are sold before public listing4 min.Buying a house for beginners: what to watch out for8 min.
3
Buy your home
7 guidesGet the purchase agreement, conditions and takeover under control, so it stays manageable
Lawyer condition and bank condition in the purchase agreement5 min.Completion, deed and land registration: how a Danish home purchase is finalised4 min.Right of disposal when buying a home: how to get the keys before the handover day8 min.Change-of-ownership insurance: what does it cover?5 min.Oil tanks and soil contamination when buying a home: documents, BBR and liability5 min.Handover and settlement statement: checklist and example6 min.Understand your loan offer: interest rate, APR, administration margin and outstanding debt6 min.
4
Waiting for keys
14 guidesUse the waiting time to sort insurance, moving and practicalities, with an overview of deadlines
Change of address when you move: deadlines and checklist4 min.Children and childcare when you move: day care, school and deadlines9 min.Moving plan when buying a home: a week-by-week checklist10 min.Insurance when buying a home: house, contents and handover11 min.Internet and TV when you move: check the address, speed and lock-in period11 min.Measuring up a home before the handover: rooms, furniture and access10 min.Renovating after buying a home: budget, order of work and rules12 min.Heating and electricity when you move: registration, meters and contracts11 min.What does contents insurance cost in your new home?6 min.Contents insurance add-ons in a new home6 min.What does buildings insurance cost for your new house?7 min.Buildings insurance: concealed pipes, dry rot and excess7 min.Broadband at your new address: look it up before you choose6 min.Internet from moving day: 5G broadband as a bridge to fibre5 min.
5
Life as a homeowner
8 guidesCongratulations as a homeowner: here you get everyday life and the home under control
The first 14 days after the handover day: a checklist for defects and faults9 min.Indoor climate and energy in your home: damp, ventilation and heating6 min.Your home's installations after handover: electricity, water and heating6 min.The municipality and your home: BBR, local plan and building permit5 min.Neighbours after moving in: a good start in your new area5 min.Interest deduction on home loans: how to correct your preliminary income assessment11 min.Safety at handover: locks, smoke alarms and installations9 min.A maintenance plan for your house: annual cycle, budget and records5 min.
Unsure about your next step
20 minutes online with Alexandra, free. Sparring and overview, not financial advice.