Heimer
Buy a flat with someone on your side

Buy a flat with someone on your side

The app that helps you understand the home and its surroundings, from first listing to moving in.

or see an example

Understand the association’s finances

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. We read the accounts for you and say plainly what the numbers mean.

What we found

  • Association's debt High
  • Boligafgift Raised
  • Maintenance Backlog
  • Andelskrone No data, ask

What you pay each month

See the monthly cost in one place. In the app, adjust the interest rate and your circumstances to see how your buffer changes.

Monthly cost →
What you pay each month

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/mo

Get to know the area

See what is nearby and how everyday life could work. Explore the surroundings and find out what to check in person.

Explore areas →

Nørrebro, København

  • Public transport
  • Grocery shops
  • Schools and childcare

Go into bidding with a plan.

See what different bids mean for your monthly cost and set a limit that fits your finances.

Nørrebro, København

Monthly cost

13 950 kr/month

MortgageFeeRunning
Your chosen bid limit 2 995 000 kr

Follow up unanswered questions before bidding.

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/month15 800 kr/month
Commute
17 min33 min
Debt per m²
9 600 kr4 100 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.

Know what to do next.

Keep track of what remains, from viewing to signing and handover. If you need to sell first, your sale fits into the same plan.

  1. Prepare to buy

    Bring together your budget and what you are looking for.

  2. Go to the viewing

    Save questions and observations for each home.

  3. Plan your bids

    Choose your limit and follow up what you need to know.

  4. Before signing

    Get help understanding what to check before you sign.

  5. Before handover

    Keep track of what remains before you get the keys.

Start with one home.

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.

10,000+

housing co-ops

600+

areas with price data

2026

loan and tax rules

See everything about the flat and its association

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. Monthly cost · Calculate 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 is 249 kr a month for 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.

Looking for a different property type? House

Region and language

Choose region

Choose language