Work out your loan-to-value

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.