Home buying guides

What is buyer advisory?

What is buyer advisory? Get an overview of how a buyer's advisor helps you with price negotiation, documents, and a secure home purchase.

3 min· Maria Sofie Olsson

Buying a house

Adjustment statement (refusionsopgørelse) in a property sale

A refusionsopgørelse (adjustment statement) is the final financial settlement between buyer and seller in a property sale. Read more about it here.

Emma Sterndorff

Moving in together

Deed Drafting and Land Registration

As part of our buyer advisory service, we naturally also offer deed drafting and registration of the deed.

2 min· 16 September 2024

Moving in together

Avoid unpleasant surprises AFTER signing the purchase agreement

The following advice will help make sure you don't face unpleasant surprises after you have signed the purchase agreement.

2 min· Emma Sterndorff

Holiday home

Buying a holiday home: what you need to know about the market

Considering a holiday home? Get an overview of the holiday home market, prices, financing, and what to watch out for before you buy.

4 min· Brian Winding

Moving in together

Property advice protects you from unpleasant surprises

Independent property advice is perfect for anyone who wants to get through their home purchase safely and confidently. Read more here

2 min· 16 May 2022

Buying a house

A home without residency obligation

What does it mean for a home to be without a residency obligation? Read this article and get answers to your questions about residency obligation.

2 min· 16 May 2022

Buying a house

Right of withdrawal when buying a house

How do you withdraw from your new home purchase in practice? And do you have to pay the seller compensation if you pull out? Read on to find out.

16 May 2022

Moving in together

Reviewing your purchase agreement

At Bomae we offer independent legal advice that is based solely on your interests. Read on to learn more.

2 min· 16 May 2022

Moving in together

How much house can I afford? And what about the debt-to-income factor?

If you're considering buying a house or apartment, one of the first things you should get a handle on is how much home you can actually afford.

2 min· Jovica Stanković

Moving in together

Help with buying a home

As a buyer, you're usually on your own in a home purchase. But it no longer has to be that way. Read more here about our independent buyer's advisory service

2 min· 16 May 2022

Moving in together

What should you look for when buying a house?

As a house buyer, it can be a difficult task to get an overview of potential hidden costs associated with your dream home.

16 May 2022

Moving in together

We secure your new home

No matter what your dreams for the future look like, Bomae's buyer advisory takes care of you the whole way through.

2 min· 16 May 2022

Moving in together

Buying a flat – what happens next?

We have gathered five good tips for buying a flat. Read them here — they could save you a lot of money and frustration.

2 min· 16 May 2022

Moving in together

Location or Dream Home? Why Not Both?

Many homebuyers often find that, in the hunt for their dream house, they have to compromise. In particular, it's the house's location that gets changed.

2 min· 16 May 2022

First-time buyer

Buying a home with no down payment – is it possible?

Bomae is approved by the Danish FSA for financial advice and helps you get the very best terms.

2 min· Jovica Stanković

Growing family

Growing your family and moving to a bigger home

Bringing a child into the world is one of the biggest moments in life, and it automatically brings many changes with it.

2 min· 16 May 2022

Moving in together

Choosing a bank

Not sure which bank is right for you? Read on to learn which factors you should keep in mind.

3 min· Jovica Stanković

Moving in together

Everything you should know about villas

Read our buyer's guide and get to grips with terms like villa, villa flat, master-builder villa and more. We've gathered it all here.

2 min· 3 August 2022

Moving in together

The Will to Succeed

Do you know the story behind Bomae? Hear about our fight against the establishment and how we have approached the challenges.

6 October 2022

Loans

Green Home Loans

Want to make energy improvements to your current or future home? Then you should look into taking out a green home loan.

2 min· Marko Pavlenić

Moving in together

The Housing Association's Finances

Buying a flat (ejerlejlighed)? You should also look at the condition and finances of the whole owners' association (ejerforening), as it can have a big impact.

2 min· 9 November 2022

Moving in together

Buying a home in Copenhagen: Guide to buying property in Copenhagen

Considering settling down in one of the best cities in the world? Buying a home in Copenhagen is a great choice. Read our guide to buying property in Copenhagen and get well prepared.

3 min· 9 April 2025

Moving in together

What is a will, a co-ownership agreement and a prenuptial agreement?

Know the difference between a will, a prenuptial agreement and a co-ownership agreement, and when it makes sense to invest in them? Read on here.

3 min· Emma Sterndorff

First-time buyer

Kurssikring (rate lock): protect your home loan against rate fluctuations

With a kurssikring (rate lock), you lock in the exchange rate, giving you certainty for both your loan proceeds and your future loan payment.

3 min· Marko Pavlenić

Moving in together

Overview of expenses

Get a quick overview and the ability to compare the expenses of the homes you are interested in.

2 min· 28 November 2022

Buying a house

You Won the Auction! – What Now?

You have won the bid at a forced auction. But what conditions and processes follow? Read all about it in our buyer's guide here.

2 min· Emma Sterndorff

First-time buyer

Guide for first-time buyers

Venturing into the property market can feel daunting when you're a first-time buyer. At Bomae, we've got your back through the whole home-buying journey.

2 min· 7 December 2022

Moving in together

Legal adviser or property lawyer in Copenhagen

We have brought together all 3 phases of the home purchase in one place, and our skilled team is ready to help you whenever you need advice.

2 min· Emma Sterndorff

First-time buyer

What is a refusionsopgørelse (adjustment statement)

What does refusionsopgørelse mean, who prepares it, and what does it cover? We answer that in this buyer's guide. Read on

2 min· 19 December 2022

First-time buyer

How do you buy a house?

Do you find the process unclear and overwhelming? Do you find it hard to work out what's important and what isn't? Then read on here.

2 min· 6 January 2023

Growing family

Buying a home

Thinking about buying a home? It's one of life's biggest decisions and investments, and it can be an incredibly difficult and overwhelming jungle to navigate.

3 min· 15 January 2023

First-time buyer

Defects when buying a home

Defects (fejl og mangler) are considered deficiencies that can affect the purchase decision. Use a buyer's advisor and avoid unpleasant surprises.

3 min· Emma Sterndorff

First-time buyer

Loan approval certificate for the home purchase

A lånebevis – or home purchase certificate – is a document that sets out an agreement between the lender (the bank) and the borrower (you). Read more about the loan approval certificate here.

2 min· Jovica Stanković

First-time buyer

Home savings: Get the means to afford your dream home

Considering buying a home? Then you need home savings to cover the down payment. Here you'll get good advice on how to save up for buying property.

2 min· 25 January 2023

Buying a house

Fixer-upper: Pros and cons of buying a fixer-upper

Considering buying a fixer-upper (håndværkertilbud)? A fixer-upper offers many opportunities - but also a number of limitations. Get much wiser here.

2 min· Christopher Wagner

First-time buyer

Sælgeransvarsforsikring (seller's liability insurance)

Sælgeransvarsforsikring provides extra security when selling your home. Read more here and learn what a seller's liability insurance covers.

2 min· 26 January 2023

Moving in together

Tips for negotiating the price of your home purchase

There are several things you should be aware of when it comes to negotiating the price of a home purchase. Get a buyer's agent who is always on your side throughout the process.

2 min· 17 February 2023

Moving in together

Independent Financial Advice When Buying a House

Buying a home is an expensive affair, and often it requires a home loan. Get professional, independent financial advice when buying a house with Bomae.

2 min· 17 February 2023

Moving in together

Guide to the dream detached house

A parcelhus (detached house) is defined as a free-standing house, often on a single floor. Considering buying a detached house? Read our guide here, or get help from a buyer's advisor.

2 min· 17 February 2023

Buying a house

Guide to forced auctions (tvangsauktion)

Considering buying a house at a forced auction (tvangsauktion)? You should know that different rules apply here than for an ordinary house purchase. Read more about the process here.

3 min· Sten Presfeldt

Co-operative housing

Find the right co-operative housing loan

Are you buying an andelsbolig (housing co-operative share)? It's a popular option among first-time buyers. Read more and get advice on how to find the right co-operative housing loan.

2 min· 27 February 2023

Growing family

Are you a first-time buyer of a flat?

Every beginning is hard — including when it comes to buying a flat (ejerlejlighed). Read more about buying a flat here, or get help from a buyer's advisor at Bomae.

27 February 2023

Co-operative housing

Good advice when buying a co-operative home

An andelsbolig (housing co-operative share) is a good alternative to owner-occupied flats — if you can get hold of a sound one. Read more and get good advice for buying a co-operative home.

4 min· 27 February 2023

Loans

Guide to upward loan conversion

Considering an upward conversion of your loan? An upward conversion means restructuring your loan to a higher interest rate. Read more and get help with loan conversion from Bomae here.

3 min· 1 March 2023

Parental purchase

Guide to parental purchase - everything you need to know!

Considering a parental purchase? We've gathered everything you need to know about parental purchases, including the considerations you should make before buying.

2 min· 6 May 2023

Moving in together

What is berigtigelse (deed completion)?

It's important that the buyer gains ownership rights to their new home. Read here about what berigtigelse is and what it involves.

3 min· 8 May 2023

First-time buyer

What are ownership costs (ejerudgift)?

It's important to have a handle on your ownership costs when buying a house. Read on here and get wiser on everything you need to know about ownership costs.

2 min· Kristina Austfjord Joensen

Moving in together

Costs of buying a house – what you need to remember

There are several costs associated with buying a house beyond the property's cash price that you need to be aware of. Get an overview of the expenses here.

3 min· 11 May 2023

Loans

Guide to choosing a home loan

Learn everything you need to know about choosing the right home loan. Our guide covers everything from loan types to financial considerations and costs.

3 min· Jovica Stanković

Buying a house

Guide to Buying a Building Plot

Read our guide and learn everything you need to know before buying a building plot. From zoning and building regulations to easements and environmental factors.

3 min· 11 May 2023

Moving in together

When should you buy a home

It's no wonder that most home buyers are unsure when the best time is to take the plunge. But the answer is actually quite simple.

2 min· Christopher Wagner

Loans

Fixed or variable interest rate?

Should you choose a fixed-rate or variable-rate mortgage-credit loan? There are advantages and disadvantages to both loan types that you should know about. Get up to speed on the topic here.

2 min· 12 May 2023

Moving in together

Land registration fee: calculate, save, and understand your costs

We guide you through what the tinglysningsafgift (land registration fee) means for your home purchase, and how you can save on it.

2 min· 16 April 2025

First-time buyer

What does it cost to build a house?

Are you considering building a house? Building a house is a major investment — so you also need to be prepared for all the costs. Read more here.

19 July 2023

Buying a house

What does it cost to live in a house?

Dreaming of buying a house? Besides the down payment itself, there are a number of monthly costs you need to factor in. Read more here.

3 min· 21 July 2024

First-time buyer

What is a property data report?

The property data report (ejendomsdatarapport) is an independent review of a property's condition, giving you an overview and analysis of its condition and value. Read more here.

2 min· 11 August 2023

Co-operative housing

Property tax and housing tax in Denmark: Your complete guide to the new rules

Here's an overview of the current property taxes, what the reform means, municipal changes, and discounts and valuations.

10 min· Emma Sterndorff

Loans

F1, F3, and F5 loans: Which loan should you choose?

About to borrow for a major investment, such as your dream home? Then you might consider whether a FlexLoan is right for you. Read more about FlexLoans here.

4 min· Jovica Stanković

Parental purchase

Municipal tax when buying a home

The municipal tax is part of the total income tax. Get wiser on the municipal tax here – and find out the tax rate in each individual municipality.

2 min· 25 August 2023

Parental purchase

ÅOP: Annual Cost Rate explained

ÅOP (Annual Cost Rate) is a term covering the sum of all interest, fees, and other costs you pay for a loan.

2 min· Jovica Stanković

Buying a house

Property assessments: What do you need to know?

Gain insight into the significance of the new property assessments and their consequences for homeowners. A complete article on the topic

8 min· Emma Sterndorff

Parental purchase

Pitfalls When Making a Parental Purchase

It can quickly become an expensive affair if you haven't laid out a sensible plan and considered other options.

2 min· 10 May 2024

First-time buyer

Financing your home

It can be hard to make sense of home financing, so we've put together a guide to make things clearer.

2 min· Jovica Stanković

Loans

Loan advice: you won't get the best and cheapest home loan at the bank!

Whether you handle the negotiation yourself or leave it to others, compromising on loan advice is never the solution.

2 min· 16 May 2024

Moving in together

First-time buyer of a house — everything you need to know

What should you know as a first-time buyer of a house? Read our guide and learn everything you need to know before buying a house.

4 min· Jovica Stanković

Moving in together

Down payment for a house – how much do I need?

Get clarity on the down payment requirements for buying a home and be better equipped to make informed decisions about your next house purchase.

2 min· Jovica Stanković

First-time buyer

Guide to buying a home — everything you need to know

Get a complete guide to buying a home that will help you navigate the process and make well-considered decisions.

Christopher Wagner

Co-operative housing

Home loan calculator: How much can you afford to buy?

Try our loan calculator. Keep in mind that buying a home can quickly become expensive, since you also need to factor in interest on the loan. Read more about home loans here

3 min· Jovica Stanković

Moving in together

Purchase Agreement: Avoid the Pitfalls

The purchase agreement is crucial to your home purchase. Get a thorough legal review so you can sign with peace of mind. Read more here

First-time buyer

How to read a purchase agreement: From start to finish

In this guide, we'll go through how to read a purchase agreement, so you're well equipped to understand every aspect of the contract

4 min· Brian Winding

Buying a house

Adjustment statements explained: Your complete guide

It shows all income and expenses tied to the property and ensures a fair split between buyer and seller.

4 min· Jovica Stanković

First-time buyer

Contingencies in the purchase agreement

In this guide, we'll dive into what contingencies (forbehold) are, what types exist, and how they affect your property transaction.

4 min· 9 August 2024

First-time buyer

Changes to the purchase agreement: What can be changed and when?

In this guide, we will dive into these questions and give you a better understanding of how to navigate the process of making changes.

2 min· 9 August 2024

Growing family

Disposable Income When Buying a Home

Your disposable income (rådighedsbeløb) is decisive for which home you can afford. Learn more about the importance of disposable income, how it's calculated, and other good tips here.

4 min· 9 June 2026

Co-operative housing

Legal advice in a property transaction: when and how to seek help

Legal advice can be worth its weight in gold when reviewing the purchase agreement, which forms the basis of the whole transaction.

4 min· Jovica Stanković

Growing family

Professional help drafting a deed (skøde): everything you need to know

A deed (skøde) is the legal document that officially transfers ownership of a property from seller to buyer.

4 min· 19 August 2024

Co-operative housing

Property lawyer: How do you choose the right one?

Before we dive into the details of how to choose the right property lawyer, it's important to understand exactly what they do.

4 min· 20 August 2024

Buying a house

What is a deed (skøde) and what role does it play?

When you buy a home, the deed (skøde) is one of the most important documents in the whole process. But what actually is a deed, and why is it so crucial?

5 min· 7 October 2024

Buying a house

How to change your deed

Get help changing your deed with Bomae Buyer's Advisory. We guide you through the process so you can change the deed easily and securely.

4 min· Emma Sterndorff

Buying a house

Everything you should know about condition reports

As a buyer, it's essential to understand the report's contents in order to make the right decision. Read everything you need to know about the condition report

2 min· Brian Winding

Buying a house

Condition Reports for Different Property Types

As a home buyer, it's important to understand that different property types come with their own particular challenges. Read all about it here

4 min· Brian Winding

Buying a house

Most Popular Danish Property Websites (2026)

Looking to buy a house or apartment in Denmark? Then you need to know where to look. Here’s the 4 most popular real estate websites in Denmark 2026

4 min· 9 July 2026

First-time buyer

Expat in Denmark

Denmark and Copenhagen are not only beautiful but also known for their high standard of living, excellent healthcare and education systems, and a strong commitment to

6 min· 13 February 2024

First-time buyer

How to Move to Denmark: A Comprehensive Guide

This short but comprehensive guide will teach you what it takes to move to Denmark. From visa and residence requirements to how to find a home, we’ll cover all you need to know to

8 min· 11 July 2023

Growing family

International Schools in Copenhagen

Thankfully, Copenhagen has plenty of high-quality international schools to choose from. In this article, we will tell you about some of the best English-speaking schools in the

4 min· 13 February 2023

First-time buyer

Renting a House in Denmark

This article will give you a brief overview of the Danish rental process and some tips on popular areas in Denmark for renting a

8 min· 23 February 2023

Buying a house

5 Factors That Affect House Prices in Denmark

Location, location, location. One of the most, if not the most important price determinator when looking at the house prices in Denmark. Real estate prices are usually higher in

6 min· 21 June 2022

Get smarter about your home purchase.

Home loan calculator: How much can you afford to buy?

Find answers to what you're facing.

What is buyer advisory?

Adjustment statement (refusionsopgørelse) in a property sale

Deed Drafting and Land Registration

Avoid unpleasant surprises AFTER signing the purchase agreement

Buying a holiday home: what you need to know about the market

Property advice protects you from unpleasant surprises

A home without residency obligation

Right of withdrawal when buying a house

Reviewing your purchase agreement

How much house can I afford? And what about the debt-to-income factor?

Help with buying a home

What should you look for when buying a house?

We secure your new home

Buying a flat – what happens next?

Location or Dream Home? Why Not Both?

Buying a home with no down payment – is it possible?

Growing your family and moving to a bigger home

Choosing a bank

Everything you should know about villas

The Will to Succeed

Green Home Loans

The Housing Association's Finances

Buying a home in Copenhagen: Guide to buying property in Copenhagen

What is a will, a co-ownership agreement and a prenuptial agreement?

Kurssikring (rate lock): protect your home loan against rate fluctuations

Overview of expenses

You Won the Auction! – What Now?

Guide for first-time buyers

Legal adviser or property lawyer in Copenhagen

What is a refusionsopgørelse (adjustment statement)

How do you buy a house?

Buying a home

Defects when buying a home

Loan approval certificate for the home purchase

Home savings: Get the means to afford your dream home

Fixer-upper: Pros and cons of buying a fixer-upper

Sælgeransvarsforsikring (seller's liability insurance)

Tips for negotiating the price of your home purchase

Independent Financial Advice When Buying a House

Guide to the dream detached house

Guide to forced auctions (tvangsauktion)

Find the right co-operative housing loan

Are you a first-time buyer of a flat?

Good advice when buying a co-operative home

Guide to upward loan conversion

Guide to parental purchase - everything you need to know!

What is berigtigelse (deed completion)?

What are ownership costs (ejerudgift)?

Costs of buying a house – what you need to remember

Guide to choosing a home loan

Guide to Buying a Building Plot

When should you buy a home

Fixed or variable interest rate?

Land registration fee: calculate, save, and understand your costs

What does it cost to build a house?

What does it cost to live in a house?

What is a property data report?

Property tax and housing tax in Denmark: Your complete guide to the new rules

F1, F3, and F5 loans: Which loan should you choose?

Municipal tax when buying a home

ÅOP: Annual Cost Rate explained

Property assessments: What do you need to know?

Pitfalls When Making a Parental Purchase

Financing your home

Loan advice: you won't get the best and cheapest home loan at the bank!

First-time buyer of a house — everything you need to know

Down payment for a house – how much do I need?

Guide to buying a home — everything you need to know

Home loan calculator: How much can you afford to buy?

Purchase Agreement: Avoid the Pitfalls

How to read a purchase agreement: From start to finish

Adjustment statements explained: Your complete guide

Contingencies in the purchase agreement

Changes to the purchase agreement: What can be changed and when?

Disposable Income When Buying a Home

Legal advice in a property transaction: when and how to seek help

Professional help drafting a deed (skøde): everything you need to know