Buy a flat with someone on your side

We follow you from the first viewing to the bid, flagging what makes a cheap flat expensive: the building's finances and what you pay each month.

or see an example

Nørrebro, København

13 950 kr/mo

within your budget

10,000+

housing co-ops

100+

checks per analysis

2026

loan and tax rules

The association's finances in five seconds

The association's debt (foreningens gæld), whether the boligafgift can rise if its loans are refinanced, and for an andelsbolig: how the andelskrone sets the maksimalpris. What decides if a cheap home gets expensive after you move in.

What we found

Debt per m² High
Pipe job Planned 2027
Monthly fee Raised recently
Leasehold No data, ask

What you pay each month

Interest, repayment and the boligafgift or fællesudgifter add up to what you actually pay each month. Change the rate and watch it move.

13 950 kr/mo

Mortgage 9 200 kr/mo

Fee 3 050 kr/mo

Running 1 700 kr/mo

At 6% rate: 16 400 kr/md.

What similar flats actually sold for

We compare it with what similar homes in the area cost, so you can see if the asking price was set low to draw bids. For an andelsbolig we hold the price against the maksimalpris.

Asking price Likely final price

The neighbourhood you’re moving to

How far to work, the price level in the neighbourhood and the risks that come with the place itself.

Nørrebro, København

17 min to work

Area price vs the average −5 %

Traffic noise

Compare what sets them apart

Put two homes side by side: monthly cost, commute and condition.

Birkevej 8 Fyrrestien 3 Monthly cost 13 950 kr 15 800 kr Commute 17 min 33 min Debt per m² 4 100 kr 9 600 kr

Everything to check at the viewing

A checklist and questions for the agent, tailored to this home's age and association. The key-information sheet (nøgleoplysningsskema) and the important things are not forgotten.

How to get started

01.

Paste the link

A link to the listing is all it takes, from most listing sites.

02.

Get a clear verdict

Monthly cost, risks and what to check.

03.

Go to the viewing prepared

A checklist and questions for the agent, for that exact home.

04.

Bid with confidence

You know the monthly cost and where the question marks are.

Analyse a home

Numbers you can trust

We keep track of what needs checking and fixing, so you don’t have to hold it all in your head.

Every number can be adjusted, and you see what it builds on.
When a figure is missing we say so, rather than guess.
Amounts, rules and thresholds are checked against official sources.

Ready to check a flat?

See a finished analysis, or start with a home you're looking at.

See an example

Search your co-op

Read on

Co-op or owner-occupied flat? Share value, the association's debt and liability The share value (andelskrone) and the association's debt (foreningens gæld) decide whether a co-op (andelsbolig) is worth the price. Get the answer: a co-op (maximum price, occupancy fee, the association's debt, technical insolvency, key information statement) compared with an owner-occupied flat (ejerlejlighed) (direct ownership, distribution ratio, common charges, pro rata liability). Written for first-time buyers. Am I paying too much? How to judge price and bidding in Denmark The asking price (udbudspris) is the seller's wish, not the home's market value. In Denmark you negotiate, and homes often sell below the asking price. Here is how to check actual sale prices, the public property assessment, and the secret, binding bids of the bidding round, so you know whether the price is fair. Can I afford it? Mortgage bond loans, down payment and debt-to-income ratio explained How to work out how much you can borrow for a home in Denmark: a mortgage bond loan (realkreditlån) up to 80 percent, at least a 5 percent down payment (udbetaling), a debt-to-income ratio (gældsfaktor) below 4, and an interest-rate stress test of plus 1 percentage point with a floor of 4 percent. Get an overview of fixed versus variable rates, interest-only periods and the administration margin. Property tax after the 2024 reform: property-value tax and land tax What is your property tax after the 2024 reform? You pay full property-value tax (ejendomsvaerdiskat) (5,1 ‰/14 ‰) and municipal land tax (grundskyld), both on 80 % of the new valuations. The tax rebate does not transfer on a sale, so the seller's figures are not yours. Here is how to work out your real level. Calculate Monthly cost What a home in Denmark costs per month: interest, amortisation and owner expenses or the co-op charge, stress-tested.

Common questions

What does Heimer cost?

Your first analysis is free. After that, Premium gives you unlimited analyses.

Which sites work?

A link from Boligsiden, Boliga or most agent sites works fine.

Do you find the association's debt?

We read what's in the listing, the accounts and the key-information sheet. If a figure is missing, we say so plainly instead of guessing.

Is Heimer on the buyer's side?

Yes. We're on your side, helping you understand the listing so you can feel sure about the decision.

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