Work out your loan-to-value

Loan-to-value is the loan divided by the home value, and it sets how much you must amortise. Move the sliders and see where you land.

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Home value

Mortgage

How we calculate

Loan-to-value is a simple measure: the mortgage divided by the home’s market value. Borrow 3 million on a 4 million home and it is 75 %. It governs one key thing: how much you must amortise each year.

The 70 % threshold is worth aiming below

If you land just above 70 %, a slightly bigger down payment can take you under and halve the amortisation from 2 to 1 %. On a 3 million loan that is the difference between 5 000 and 2 500 kr a month.

Debt-to-income no longer drives amortisation

Since 1 April 2026 the tightened amortisation requirement is gone. Amortisation now follows loan-to-value alone, not the size of the loan relative to income.

More calculators

Monthly cost Down payment Stamp duty How much can I borrow Amortisation over time Is the BRF healthy? What does the bid cost? Running costs, house Wrong running costs in the listing What you keep when you sell House maintenance cost Your share of the association's debt Can we afford it? Rent or buy Amortise or invest The new mortgage rules

Terms used here

Belåningsgrad Amorteringskrav Kontantinsats Skuldkvot

Heimer does this for you

Paste a listing and get the monthly cost, the risks and what to check.

Run it on a real listing See a finished analysis