{"id":2393,"date":"2023-06-22T07:05:49","date_gmt":"2023-06-22T05:05:49","guid":{"rendered":"https:\/\/bomae.dk\/?page_id=2393"},"modified":"2025-10-01T12:36:00","modified_gmt":"2025-10-01T10:36:00","slug":"home-loan","status":"publish","type":"page","link":"https:\/\/bomae.dk\/en\/home-loan\/","title":{"rendered":"Home Loan"},"content":{"rendered":"<div id=\"pl-2393\"  class=\"panel-layout\" ><div id=\"pg-2393-0\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2393-0-0\"  class=\"panel-grid-cell\" ><div id=\"panel-2393-0-0-0\" class=\"so-panel widget widget_mtt-cover panel-first-child panel-last-child\" data-index=\"0\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-mtt-cover so-widget-mtt-cover-base\"\n\t\t\t\n\t\t>\n<section class=\"mtt-cover custom-bg-white\">\n            <div class=\"page-container\">\n            <div class=\"top-breadcrumbs\">\n                            <\/div>\n        <\/div>\n        <div class=\"mtt-cover__top-wrapper\">\n        <img decoding=\"async\" class=\"bomae-graphic bomae-graphic--left\" src=\"https:\/\/bomae.dk\/wp-content\/themes\/bomae-wordpress-theme\/public\/img\/svg\/cover-graphic.svg\"\n             alt=\"\"\/>\n        <div class=\"page-container\">\n            <div class=\"inner-breadcrumbs\">\n                            <\/div>\n            <div class=\"mtt-cover__inner\">\n                <div class=\"mtt-cover__text-container\">\n                                                                        <a href=\"https:\/\/bomae.dk\/?page_id=26\"\n                               class=\"mtt-cover__tagline tagline tagline--white\">Bomae<\/a>\n                                                                                        <h1 class=\"mtt-cover__title title--white\">Get a better home loan<\/h1>\n                                                                <div class=\"mtt-cover__text wysiwyg\">\n                            <p>Finding the right financing can feel overwhelming. Most people know that banks are businesses \u2013 but very few negotiate their home loans. We\u2019re here to change that.<\/p>\n                        <\/div>\n                                                                <div class=\"mtt-cover__usp-container\">\n                                                                                            <div class=\"mtt-cover__usp\">\n                                                                            <div class=\"mtt-cover__usp-icon\">\n                                            <img decoding=\"async\" src=\"https:\/\/bomae.dk\/wp-content\/uploads\/2022\/04\/tick-mark.svg\" alt=\"flueben\"\/>\n                                        <\/div>\n                                                                                                                <p class=\"mtt-cover__usp-text\">Get the best loan \u2013 tailored to your situation<\/p>\n                                                                    <\/div>\n                                                                                            <div class=\"mtt-cover__usp\">\n                                                                            <div class=\"mtt-cover__usp-icon\">\n                                            <img decoding=\"async\" src=\"https:\/\/bomae.dk\/wp-content\/uploads\/2022\/04\/tick-mark.svg\" alt=\"flueben\"\/>\n                                        <\/div>\n                                                                                                                <p class=\"mtt-cover__usp-text\">An independent advisor working only for you<\/p>\n                                                                    <\/div>\n                                                                                            <div class=\"mtt-cover__usp\">\n                                                                            <div class=\"mtt-cover__usp-icon\">\n                                            <img decoding=\"async\" src=\"https:\/\/bomae.dk\/wp-content\/uploads\/2022\/04\/tick-mark.svg\" alt=\"flueben\"\/>\n                                        <\/div>\n                                                                                                                <p class=\"mtt-cover__usp-text\">We negotiate price and terms with the banks<\/p>\n                                                                    <\/div>\n                                                    <\/div>\n                                        \n  <div class=\"button-section\">\n\n    \n        <a href=\"#\" data-id=\"contact-modal\" class=\"button green open-modal\">\n                    Let\u2019s talk        <\/a>\n\n    \n        <a href=\"tel:+4572600400\" class=\"button secondary with-icon\">\n                      <img decoding=\"async\" src=\"https:\/\/bomae.dk\/wp-content\/uploads\/2022\/04\/phone.svg\" alt=\"Lad Bomae ringe dig op\"\/>\n                    +45 72 600 400        <\/a>\n\n    \n  <\/div>\n\n                                            <div class=\"mtt-cover__trustpilot mtt-cover__trustpilot--tablet\">\n                            <!-- TrustBox widget - Horizontal -->\r\n<div class=\"trustpilot-widget\" data-locale=\"en-GB\" data-template-id=\"5406e65db0d04a09e042d5fc\" data-businessunit-id=\"5881ce410000ff00059b21af\" data-style-height=\"28px\" data-style-width=\"100%\" data-theme=\"light\">\r\n  <a href=\"https:\/\/uk.trustpilot.com\/review\/bomae.dk\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\r\n<\/div>\r\n<!-- End TrustBox widget -->                        <\/div>\n                                    <\/div>\n            <\/div>\n        <\/div>\n\n                    \n<div class=\"mtt-cover-image-container\">\n    <div class=\"mtt-cover-image-container__image object-fit\" style=\"max-height: 800px;\">\n                    <picture>\n                                                <img decoding=\"async\" class=\"sp-no-webp image\" src=\"https:\/\/bomae.dk\/wp-content\/uploads\/2025\/01\/Kristinaogbrian-scaled-e1738157172836-1200x800.jpg\" alt=\"K\u00f8berm\u00e6gler, Brian og Kristina. \">\n            <\/picture>\n                    <\/div>\n<\/div>\n            <\/div>\n\n    <div class=\"mtt-cover__bottom-wrapper page_container\">\n                    <div class=\"mtt-cover__trustpilot mtt-cover__trustpilot--desktop\">\n                <!-- TrustBox widget - Micro Combo -->\r\n<div class=\"trustpilot-widget\" data-locale=\"en-GB\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5881ce410000ff00059b21af\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\">\r\n  <a href=\"https:\/\/uk.trustpilot.com\/review\/bomae.dk\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\r\n<\/div>\r\n<!-- End TrustBox widget -->            <\/div>\n            <\/div>\n\n<\/section>\n\n<\/div><\/div><\/div><\/div><div id=\"pg-2393-1\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2393-1-0\"  class=\"panel-grid-cell\" ><div id=\"panel-2393-1-0-0\" class=\"so-panel widget widget_mtt-trustpilot panel-first-child panel-last-child\" data-index=\"1\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-mtt-trustpilot so-widget-mtt-trustpilot-base\"\n\t\t\t\n\t\t>\n<section class=\"mtt-trustpilot  spacing_top_56 spacing_bottom_56 spacing-classes-added\">\n  <div class=\"mtt-trustpilot__inner page_container\">\n    <!-- TrustBox widget - Slider -->\r\n<div class=\"trustpilot-widget\" data-locale=\"en-GB\" data-template-id=\"54ad5defc6454f065c28af8b\" data-businessunit-id=\"5881ce410000ff00059b21af\" data-style-height=\"240px\" data-style-width=\"100%\" data-theme=\"light\" data-stars=\"4,5\" data-review-languages=\"en\">\r\n  <a href=\"https:\/\/uk.trustpilot.com\/review\/bomae.dk\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\r\n<\/div>\r\n<!-- End TrustBox widget -->  <\/div>\n<\/section><\/div><\/div><\/div><\/div><div id=\"pg-2393-2\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2393-2-0\"  class=\"panel-grid-cell\" ><div id=\"panel-2393-2-0-0\" class=\"so-panel widget widget_mtt-purchase-process panel-first-child panel-last-child\" data-index=\"2\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-mtt-purchase-process so-widget-mtt-purchase-process-base\"\n\t\t\t\n\t\t><section class=\"mtt-purchase-process spacing_top_104 spacing_bottom_104 before-bg-pink\">\n    <div class=\"page-container\">\n        <div class=\"mtt-purchase-process__grid\">\n            <div class=\"mtt-purchase-process__text-wrap\">\n                \n                                    <h2>Loan advice gives you more for your money!<\/h2>\n                \n                                    <div class=\"wysiwyg\">\n                        <p data-start=\"662\" data-end=\"894\">At Bomae, you get a professional advisor who works exclusively for you and makes sure you get the best possible financing.<br data-start=\"784\" data-end=\"787\" \/>We\u2019ll guide you safely through the entire process \u2013 from your first budget estimate to final loan approval.<\/p>\n<ul data-start=\"133\" data-end=\"363\">\n<li data-start=\"176\" data-end=\"228\">\n<p data-start=\"178\" data-end=\"228\">Receive tailored loan offers from multiple banks<\/p>\n<\/li>\n<li data-start=\"277\" data-end=\"317\">\n<p data-start=\"279\" data-end=\"317\">Save money through professional negotiation<\/p>\n<\/li>\n<li data-start=\"277\" data-end=\"317\">\n<p data-start=\"279\" data-end=\"317\">Avoid hidden fees and bad loan terms<\/p>\n<\/li>\n<\/ul>\n                    <\/div>\n                                \n  <div class=\"button-section\">\n\n    \n        <a href=\"#\" data-id=\"contact-modal\" class=\"button secondary open-modal\">\n                    Call me        <\/a>\n\n    \n        <a href=\"tel:+4572600400\" class=\"button green\">\n                    +45 72 600 400        <\/a>\n\n    \n  <\/div>\n\n            <\/div>\n                            <div class=\"mtt-purchase-process__cards-wrap\">\n                    <div class=\"mtt-purchase-process__cards\">\n                                                    \n<div class=\"mtt-process-card mtt-process-card--white\">\n            <div class=\"mtt-process-card__icon\">\n                    <\/div>\n                <div class=\"mtt-process-card__title heading\">\n            Finance the dream        <\/div>\n                <div class=\"mtt-process-card__text\">\n            We gather loan offers that match your financial situation and life goals.        <\/div>\n    <\/div>                                                    \n<div class=\"mtt-process-card mtt-process-card--white\">\n            <div class=\"mtt-process-card__icon\">\n                    <\/div>\n                <div class=\"mtt-process-card__title heading\">\n            Review potential homes        <\/div>\n                <div class=\"mtt-process-card__text\">\n            We help you assess homes that fit your needs and dreams.        <\/div>\n    <\/div>                                                    \n<div class=\"mtt-process-card mtt-process-card--white\">\n            <div class=\"mtt-process-card__icon\">\n                    <\/div>\n                <div class=\"mtt-process-card__title heading\">\n            Negotiate the deal        <\/div>\n                <div class=\"mtt-process-card__text\">\n            Our experts negotiate contracts and prices to secure the best possible terms.        <\/div>\n    <\/div>                                                    \n<div class=\"mtt-process-card mtt-process-card--white\">\n            <div class=\"mtt-process-card__icon\">\n                    <\/div>\n                <div class=\"mtt-process-card__title heading\">\n            Finalize your purchase        <\/div>\n                <div class=\"mtt-process-card__text\">\n            We handle the legal details so you can move in with confidence.        <\/div>\n    <\/div>                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section><\/div><\/div><\/div><\/div><div id=\"pg-2393-3\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2393-3-0\"  class=\"panel-grid-cell\" ><div id=\"panel-2393-3-0-0\" class=\"so-panel widget widget_mtt-text-image panel-first-child panel-last-child\" data-index=\"3\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-mtt-text-image so-widget-mtt-text-image-base\"\n\t\t\t\n\t\t><div class=\"page-container\">\n    <section class=\"mtt-text-image mtt-text-image--image-left  spacing_top_56 spacing_bottom_56 spacing-classes-added\">\n        <div class=\"mtt-text-image__grid\">\n            <div class=\"mtt-text-image__image\" style=\"max-height: 608px;\">\n                                    <div class=\"object-fit object-fit--fill\">\n                        <picture>\n                                                                                    <img decoding=\"async\" class=\"sp-no-webp image\" src=\"https:\/\/bomae.dk\/wp-content\/uploads\/2023\/02\/annie-spratt-a2rta6ifjuY-unsplash-scaled-810x608.jpg\" alt=\"Cykler ude foran farverig lejlihed\">\n                        <\/picture>\n                    <\/div>\n                \n                            <\/div>\n            <div class=\"mtt-text-image__text-box bg-lightblue\">\n                \n                                    <h2>Is loan advice worth it? <\/h2>\n                \n                                    <div class=\"wysiwyg\">\n                        <p data-start=\"1337\" data-end=\"1456\">Absolutely! The savings often exceed the cost of advice \u2013 by a lot.<br data-start=\"1404\" data-end=\"1407\" \/>Here are 4 reasons why financial advice pays off:<\/p>\n<ul>\n<li>Skip tricky bank negotiations<\/li>\n<li>Get the best and most suitable financing<\/li>\n<li>Understand all your options<\/li>\n<li>Save time and money \u2013 and avoid costly mistakes<\/li>\n<\/ul>\n<p data-start=\"1624\" data-end=\"1730\">At Bomae, you\u2019ll have <strong data-start=\"1646\" data-end=\"1671\">one dedicated advisor<\/strong> guiding you all the way and helping you become loan-ready.<\/p>\n                    <\/div>\n                                \n  <div class=\"button-section\">\n\n    \n        <a href=\"https:\/\/bomae.dk\/en\/booknow\/\" class=\"button green\">\n                    Book free meeting        <\/a>\n\n    \n        <a href=\"https:\/\/bomae.dk\/en\/\" class=\"button secondary\">\n                    Learn more        <\/a>\n\n    \n  <\/div>\n\n            <\/div>\n        <\/div>\n    <\/section>\n<\/div>\n<\/div><\/div><\/div><\/div><div id=\"pg-2393-4\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2393-4-0\"  class=\"panel-grid-cell\" ><div id=\"panel-2393-4-0-0\" class=\"so-panel widget widget_mtt-text-columns panel-first-child panel-last-child\" data-index=\"4\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-mtt-text-columns so-widget-mtt-text-columns-base\"\n\t\t\t\n\t\t><section class=\"mtt-text-columns  spacing_bottom_56 spacing-classes-added\">\n    <div class=\"page-container\">\n        <div class=\"mtt-text-columns__title\">\n            \n                    <\/div>\n        <div class=\"mtt-text-columns__cols wysiwyg\">\n                            <div class=\"small-12 medium-12 large-6 cell column\">\n<h2><strong>What is a home loan, and which home loan should I choose?<\/strong><\/h2>\n<p>A home loan is a loan for purchasing a home that consists of a bank loan and a mortgage loan. You can take out a maximum home loan of 95% of the home's value. You must finance the last 5% yourself. As a starting point, a home loan consists of an 80% mortgage loan and a 15% bank loan. But it is not quite simple because the banks often have different conditions and variations in the loan types. You have probably come across terms such as interest rate cap, fixed-rate loan, interest rate adjustment, flexible loan, grace period and many others.<\/p>\n<p>Few people pay for a house or apartment in cash. You never get away from having to borrow money for a home in one way or another. In this connection, several questions may arise that must be decided. Bomae can help with the entire home purchase process, both the negotiation with the estate agent, the review of the home with a construction expert and not least in connection with the loan for the home.<\/p>\n<p>Link to blog: <a href=\"https:\/\/bomae.dk\/en\/buyer-guide\/what-type-of-house-mortgage-should-you-choose\/\">What type of mortgage should you choose?<\/a><\/p>\n<\/div>\n<h2><strong>Home loan - how much can I borrow?<\/strong><\/h2>\n<p>What you can afford to borrow when buying a home is individual. It depends, among other things, on one's finances, housing wishes and whether one is a first-time buyer. At Bomae, we start from your situation and wishes and advise you exclusively based on this.<\/p>\n<p>In addition to giving you an overview of how much you can borrow to buy a home, we are also happy to negotiate with the banks on the price and terms of your future home loan. Our role in the loan process is dealing with fees with the banks and obtaining offers for home loans and mortgages. That way, you won't pay more than necessary for your home loan. In addition, we save you time, as you do not have to hold meetings with different banks. The advantage of having Bomae involved in the loan process is that we do not have a stake in the loan itself but advise solely on how you can get the cheapest home loan.<\/p>\n                    <\/div>\n    <\/div>\n<\/section>\n<\/div><\/div><\/div><\/div><div id=\"pg-2393-5\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2393-5-0\"  class=\"panel-grid-cell\" ><div id=\"panel-2393-5-0-0\" class=\"so-panel widget widget_mtt-advisors panel-first-child panel-last-child\" data-index=\"5\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-mtt-advisors so-widget-mtt-advisors-base\"\n\t\t\t\n\t\t><section class=\"mtt-advisors spacing_top_56 spacing_bottom_56 spacing-classes-added slider\">\n    <div class=\"page-container\">\n\n        <div class=\"mtt-advisors__text\">\n            \n            <div class=\"mtt-advisors__title-wrap\">\n                                    <h2>Meet our skilled advisors<\/h2>\n                \n                                                    <div class=\"mtt-advisors__buttons-wrapper\">\n                        <div class=\"mtt-advisors__buttons\">\n                            <button class=\"swiper-prev swiper-button-prev\"><\/button>\n                            <button class=\"swiper-next swiper-button-next\"><\/button>\n                        <\/div>\n                                            <\/div>\n                            <\/div>\n        <\/div>\n\n                    <div class=\"mtt-advisors__slider swiper-container\">\n                <div class=\"swiper-wrapper\">\n                    \n<div class=\"mtt-advisor-card swiper-slide\" >\n    <a href=\"\" class=\"mtt-advisor-card__image \">\n            <\/a>\n    <div class=\"mtt-advisor-card__text\">\n        <a href=\"\" class=\"mtt-advisor-card__name heading h6\">\n                    <\/a>\n                    <\/div>\n<\/div>\n<div class=\"mtt-advisor-card swiper-slide\" >\n    <a href=\"https:\/\/bomae.dk\/en\/about-us\/mudasar-haleem\/\" class=\"mtt-advisor-card__image bg-lightblue\">\n                    <div class=\"object-fit object-fit--fill\">\n                <img decoding=\"async\" width=\"540\" height=\"740\" src=\"https:\/\/bomae.dk\/wp-content\/uploads\/2024\/08\/mudasar-scaled-540x740.jpg\" class=\"attachment-540x740x1 size-540x740x1\" alt=\"Mudasar portr\u00e6t\" \/>            <\/div>\n            <\/a>\n    <div class=\"mtt-advisor-card__text\">\n        <a href=\"https:\/\/bomae.dk\/en\/about-us\/mudasar-haleem\/\" class=\"mtt-advisor-card__name heading h6\">\n            Mudasar Haleem        <\/a>\n                    <div class=\"mtt-advisor-card__position\">\n                Financial Advisor            <\/div>\n                            <div class=\"mtt-advisor-card__contact-wrap\">\n                                                        <div class=\"mtt-advisor-card__contact\">\n                                                    <span>Phone:<\/span>\n                                                                            <a href=\"tel:+4522216870\">\n                                +45 22 21 68 70                            <\/a>\n                                            <\/div>\n                                                        <div class=\"mtt-advisor-card__contact\">\n                                                    <span>Email:<\/span>\n                                                                            <a href=\"mailto:mha@bomae.dk\">\n                                mha@bomae.dk                            <\/a>\n                                            <\/div>\n                                                        <div class=\"mtt-advisor-card__contact\">\n                                                    <span>LinkedIn:<\/span>\n                                                                            <a href=\"https:\/\/www.linkedin.com\/in\/mudasar-haleem-7a94ab52\/\">\n                                \/mudasar                            <\/a>\n                                            <\/div>\n                            <\/div>\n            <\/div>\n<\/div>\n<div class=\"mtt-advisor-card swiper-slide\" >\n    <a href=\"https:\/\/bomae.dk\/en\/about-us\/marko-pavlenic\/\" class=\"mtt-advisor-card__image bg-lightblue\">\n                    <div class=\"object-fit object-fit--fill\">\n                <img decoding=\"async\" width=\"540\" height=\"740\" src=\"https:\/\/bomae.dk\/wp-content\/uploads\/2022\/05\/DSC06316-scaled-e1727268941686-540x740.jpg\" class=\"attachment-540x740x1 size-540x740x1\" alt=\"Marko\" \/>            <\/div>\n            <\/a>\n    <div class=\"mtt-advisor-card__text\">\n        <a href=\"https:\/\/bomae.dk\/en\/about-us\/marko-pavlenic\/\" class=\"mtt-advisor-card__name heading h6\">\n            Marko Pavleni\u0107        <\/a>\n                    <div class=\"mtt-advisor-card__position\">\n                Financial Advisor            <\/div>\n                            <div class=\"mtt-advisor-card__contact-wrap\">\n                                                        <div class=\"mtt-advisor-card__contact\">\n                                                    <span>Phone:<\/span>\n                                                                            <a href=\"tel:+4525611194\">\n                                +45 25 61 11 94                            <\/a>\n                                            <\/div>\n                                                        <div class=\"mtt-advisor-card__contact\">\n                                                    <span>Email:<\/span>\n                                                                            <a href=\"mailto:mp@bomae.dk\">\n                                mp@bomae.dk                            <\/a>\n                                            <\/div>\n                            <\/div>\n            <\/div>\n<\/div>\n<div class=\"mtt-advisor-card swiper-slide\" >\n    <a href=\"https:\/\/bomae.dk\/en\/about-us\/thomas-feltsen\/\" class=\"mtt-advisor-card__image bg-lightblue\">\n                    <div class=\"object-fit object-fit--fill\">\n                <img decoding=\"async\" width=\"540\" height=\"740\" src=\"https:\/\/bomae.dk\/wp-content\/uploads\/2025\/06\/DSC08020-scaled-e1757322870788-540x740.jpg\" class=\"attachment-540x740x1 size-540x740x1\" alt=\"Thomas\" \/>            <\/div>\n            <\/a>\n    <div class=\"mtt-advisor-card__text\">\n        <a href=\"https:\/\/bomae.dk\/en\/about-us\/thomas-feltsen\/\" class=\"mtt-advisor-card__name heading h6\">\n            Thomas Feltsen        <\/a>\n                    <div class=\"mtt-advisor-card__position\">\n                Financial Advisor            <\/div>\n                            <div class=\"mtt-advisor-card__contact-wrap\">\n                                                        <div class=\"mtt-advisor-card__contact\">\n                                                    <span>Phone:<\/span>\n                                                                            <a href=\"tel:+4525260084\">\n                                +45 25 26 00 84                            <\/a>\n                                            <\/div>\n                                                        <div class=\"mtt-advisor-card__contact\">\n                                                    <span>Email<\/span>\n                                                                            <a href=\"mailto:mha@bomae.dk\">\n                                tfe@bomae.dk                            <\/a>\n                                            <\/div>\n                                                        <div class=\"mtt-advisor-card__contact\">\n                                                    <span>LinkedIn<\/span>\n                                                                            <a href=\"https:\/\/www.linkedin.com\/in\/thomas-feltsen-02105952\/\">\n                                \/thomasfeltsen                            <\/a>\n                                            <\/div>\n                            <\/div>\n            <\/div>\n<\/div>                <\/div>\n        \n    <\/div>\n<\/section><\/div><\/div><\/div><\/div><div id=\"pg-2393-6\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2393-6-0\"  class=\"panel-grid-cell\" ><div id=\"panel-2393-6-0-0\" class=\"so-panel widget widget_mtt-text-columns panel-first-child panel-last-child\" data-index=\"6\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-mtt-text-columns so-widget-mtt-text-columns-base\"\n\t\t\t\n\t\t><section class=\"mtt-text-columns  spacing_top_56 spacing_bottom_56 spacing-classes-added\">\n    <div class=\"page-container\">\n        <div class=\"mtt-text-columns__title\">\n                                                <a href=\"https:\/\/bomae.dk\/en\/buyer-agency\/\" class=\"tagline tagline--red\">Bomae<\/a>\n                            \n                            <h2 class=\"h3\">Why negotiate your home loan?<\/h2>\n                    <\/div>\n        <div class=\"mtt-text-columns__cols wysiwyg\">\n                            <p data-start=\"240\" data-end=\"460\">A home loan is one of the biggest financial commitments you'll ever make \u2013 and banks know that. That\u2019s why homebuyers are highly valuable customers. But despite this, very few negotiate the price and terms of their loan.<\/p>\n<p data-start=\"462\" data-end=\"746\">At Bomae, we help you take full advantage of your position. If you already have loan offers, it can be tricky to compare them and spot hidden fees or poor terms. We know exactly which fees are negotiable and what counts as a fair interest rate \u2013 so you don\u2019t pay more than you should.<\/p>\n<p data-start=\"748\" data-end=\"858\">We negotiate directly with your bank \u2013 and others \u2013 to get you the best possible home loan and mortgage terms.<\/p>\n<p data-start=\"860\" data-end=\"871\"><strong>You\u2019ll get:<\/strong><\/p>\n<ul data-start=\"872\" data-end=\"1028\">\n<li data-start=\"872\" data-end=\"913\">\n<p data-start=\"874\" data-end=\"913\">A clear overview of your loan options<\/p>\n<\/li>\n<li data-start=\"914\" data-end=\"973\">\n<p data-start=\"916\" data-end=\"973\">Personal, independent advice tailored to your situation<\/p>\n<\/li>\n<li data-start=\"974\" data-end=\"1028\">\n<p data-start=\"976\" data-end=\"1028\">A trusted expert who only looks after your interests<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1030\" data-end=\"1225\">Loan advice is a key part of our full buyer advisory service, which also includes legal review and contract negotiation.<br data-start=\"1150\" data-end=\"1153\" \/>Want to know how buyer advice can make sense for you?<\/p>\n                    <\/div>\n    <\/div>\n<\/section>\n<\/div><\/div><\/div><\/div><div id=\"pg-2393-7\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2393-7-0\"  class=\"panel-grid-cell\" ><div id=\"panel-2393-7-0-0\" class=\"so-panel widget widget_mtt-text-image panel-first-child panel-last-child\" data-index=\"7\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-mtt-text-image so-widget-mtt-text-image-base\"\n\t\t\t\n\t\t><div class=\"page-container\">\n    <section class=\"mtt-text-image mtt-text-image--image-left  spacing_top_104 spacing_bottom_104 spacing-classes-added\">\n        <div class=\"mtt-text-image__grid\">\n            <div class=\"mtt-text-image__image\" style=\"max-height: 618px;\">\n                                    <div class=\"object-fit object-fit--fill\">\n                        <img decoding=\"async\" class=\"image\" src=\"https:\/\/bomae.dk\/wp-content\/uploads\/2025\/01\/Kristinaogbrian-scaled-e1738157172836-810x618.jpg\" alt=\"K\u00f8berm\u00e6gler, Brian og Kristina. \">\n                    <\/div>\n                            <\/div>\n            <div class=\"mtt-text-image__text-box bg-pink\">\n                                                            <div class=\"tagline tagline--red\">Save time and money<\/div>\n                                    \n                                    <h2>How can we help you? Get called today!<\/h2>\n                \n                                    <div class=\"wysiwyg\">\n                        <p>Let's talk about how we can help you with the purchase and financing of your home.<\/p>\n                    <\/div>\n                \n                                    <div class=\"mtt-text-image__form\">\n                        \n<div class=\"wpcf7 no-js\" id=\"wpcf7-f1412-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"1412\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/pages\/2393#wpcf7-f1412-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"1412\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f1412-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"field-container field-container--full\">\n\t<div class=\"input-wrapper\">\n\t\t<p><label><span class=\"wpcf7-form-control-wrap\" data-name=\"name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your name\" value=\"\" type=\"text\" name=\"name\" \/><\/span><\/label>\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"input-wrapper\">\n\t\t<p><label><span class=\"wpcf7-form-control-wrap\" data-name=\"phone_number\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone number\" value=\"\" type=\"tel\" name=\"phone_number\" \/><\/span><\/label>\n\t\t<\/p>\n\t<\/div>\n<\/div>\n<div class=\"field-container field-container--full\">\n\t<div class=\"input-wrapper\">\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"acceptance-848\"><span class=\"wpcf7-form-control wpcf7-acceptance\"><span class=\"wpcf7-list-item\"><label><input type=\"checkbox\" name=\"acceptance-848\" value=\"1\" aria-invalid=\"false\" \/><span class=\"wpcf7-list-item-label\">I accept the <a href=\"\/en\/privacy-policy\/\" target=\"_blank\">privacy policy.<\/a><\/span><\/label><\/span><\/span><\/span>\n\t\t<\/p>\n\t<\/div>\n<\/div>\n<div class=\"submit-container submit-container--full\">\n\t<div class=\"submit-wrapper\">\n\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner button default\" type=\"submit\" value=\"Call me\" \/>\n\t\t<\/p>\n\t<\/div>\n<\/div><input type=\"hidden\" name=\"gclid\" value=\"\"><input type=\"hidden\" name=\"fbclid\" value=\"\"><input type=\"hidden\" name=\"wbraid\" value=\"\"><input type=\"hidden\" name=\"gbraid\" value=\"\"><input type=\"hidden\" name=\"msclkid\" value=\"\"><input type=\"hidden\" name=\"device\" value=\"\"><input type=\"hidden\" name=\"visitor_type\" value=\"\"><input type=\"hidden\" name=\"visitor_channel\" value=\"\"><input type=\"hidden\" name=\"utm_source\" value=\"\"><input type=\"hidden\" name=\"utm_medium\" value=\"\"><input type=\"hidden\" name=\"ga4_client_id\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/bomae.dk\/en\/home-loan\/\"><input type=\"hidden\" name=\"locale\" value=\"en\"><input type=\"hidden\" name=\"source\" value=\"web\"><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n                    <\/div>\n                \n                                    <div class=\"wysiwyg\">\n                        <p>Or call +45 72 600 400, monday to sunday 9am-20pm<\/p>\n                    <\/div>\n                            <\/div>\n        <\/div>\n    <\/section>\n<\/div>\n<\/div><\/div><\/div><\/div><div id=\"pg-2393-8\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2393-8-0\"  class=\"panel-grid-cell\" ><div id=\"panel-2393-8-0-0\" class=\"so-panel widget widget_mtt-faq panel-first-child panel-last-child\" data-index=\"8\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-mtt-faq so-widget-mtt-faq-base\"\n\t\t\t\n\t\t><section class=\"mtt-faq spacing_top_104 spacing_bottom_104 before-bg-lightblue\">\n    <div class=\"page-container\">\n        <div class=\"mtt-faq__grid\">\n\n            <div class=\"mtt-faq__text-wrap\">\n                \n                                    <h2>Frequently Asked Questions about Home Loan Advice<\/h2>\n                \n                                    <div class=\"mtt-faq__text\">\n                        If you couldn't find an answer, you're of course more than welcome to call us or write to us at:                    <\/div>\n                \n                                    <div class=\"mtt-faq__contact-wrapper\">\n                                                    <div class=\"mtt-faq__contact\">\n                                                                    <a href=\"tel:+4572600400\" class=\"heading\">\n                                        Phone: +45 72 600 400                                    <\/a>\n                                                                                                    <div>\n                                        Monday to Friday, 9:00 AM - 8:00 PM                                    <\/div>\n                                                            <\/div>\n                                                    <div class=\"mtt-faq__contact\">\n                                                                    <a href=\"mailto:kontakt@bomae.dk\" class=\"heading\">\n                                        kontakt@bomae.dk                                    <\/a>\n                                                                                                    <div>\n                                        Monday to Friday, 9:00 AM - 8:00 PM                                    <\/div>\n                                                            <\/div>\n                                            <\/div>\n                            <\/div>\n\n                            <div class=\"mtt-faq__accordions\">\n                                            <div class=\"mtt-faq-accordion mtt-faq-accordion--active\">\n                            <button class=\"mtt-faq-accordion__title heading\">\n                                                                    \u2753 What is home loan advice?                                                            <\/button>\n                            <div class=\"mtt-faq-accordion__content-wrap\">\n                                <div class=\"mtt-faq-accordion__content\">\n                                                                            <div class=\"wysiwyg\">\n                                            <p data-start=\"619\" data-end=\"834\">Home loan advice is a service that helps you navigate the financing side of buying a home. A financial advisor works 100% on your side \u2013 helping you understand your options, compare offers, and secure the best deal.<\/p>\n<p data-start=\"836\" data-end=\"863\">At Bomae, we help you with:<\/p>\n<ul data-start=\"864\" data-end=\"1059\">\n<li data-start=\"864\" data-end=\"903\">\n<p data-start=\"866\" data-end=\"903\">Calculating how much you can borrow<\/p>\n<\/li>\n<li data-start=\"904\" data-end=\"948\">\n<p data-start=\"906\" data-end=\"948\">Negotiating better loan offers and terms<\/p>\n<\/li>\n<li data-start=\"949\" data-end=\"1001\">\n<p data-start=\"951\" data-end=\"1001\">Avoiding hidden costs and unfavorable agreements<\/p>\n<\/li>\n<li data-start=\"1002\" data-end=\"1059\">\n<p data-start=\"1004\" data-end=\"1059\">Saving time by handling all bank contact on your behalf<\/p>\n<\/li>\n<\/ul>\n                                        <\/div>\n                                                                    <\/div>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"mtt-faq-accordion\">\n                            <button class=\"mtt-faq-accordion__title heading\">\n                                                                    \u2753How much does home loan advice cost?                                                            <\/button>\n                            <div class=\"mtt-faq-accordion__content-wrap\">\n                                <div class=\"mtt-faq-accordion__content\">\n                                                                            <div class=\"wysiwyg\">\n                                            <p data-start=\"342\" data-end=\"647\">Our prices vary depending on your needs \u2013 but most clients save more than they spend.<br data-start=\"1242\" data-end=\"1245\" \/>See our <a class=\"\" href=\"https:\/\/bomae.dk\/en\/prices\/\" rel=\"noopener\" data-start=\"1253\" data-end=\"1277\">price overview here<\/a> or contact us for a free, no-obligation quote.<\/p>\n                                        <\/div>\n                                                                    <\/div>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"mtt-faq-accordion\">\n                            <button class=\"mtt-faq-accordion__title heading\">\n                                                                    \u2753How does Bomae help me save money?                                                            <\/button>\n                            <div class=\"mtt-faq-accordion__content-wrap\">\n                                <div class=\"mtt-faq-accordion__content\">\n                                                                            <div class=\"wysiwyg\">\n                                            <p>We negotiate directly with banks to secure better rates, lower fees, and more favorable terms. Even if you\u2019ve already received loan offers, we can often improve them or help you compare and choose the best option. Most of our clients save significantly more than the cost of advice.<\/p>\n                                        <\/div>\n                                                                    <\/div>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"mtt-faq-accordion\">\n                            <button class=\"mtt-faq-accordion__title heading\">\n                                                                    \u2753 Do foreigners need a higher down payment?                                                            <\/button>\n                            <div class=\"mtt-faq-accordion__content-wrap\">\n                                <div class=\"mtt-faq-accordion__content\">\n                                                                            <div class=\"wysiwyg\">\n                                            <p>Yes. If you are not a Danish citizen, most banks require a down payment of <strong data-start=\"1793\" data-end=\"1803\">10\u201320%<\/strong>, compared to 5% for Danes. Some banks may even ask for more, depending on your status and credit history.<br data-start=\"1909\" data-end=\"1912\" \/><strong data-start=\"1912\" data-end=\"1977\">We help you navigate the process and negotiate with the banks<\/strong> to make sure you get the best deal possible.<\/p>\n                                        <\/div>\n                                                                    <\/div>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"mtt-faq-accordion\">\n                            <button class=\"mtt-faq-accordion__title heading\">\n                                                                    \u2753Can I use Bomae if I\u2019ve already spoken to my bank?                                                            <\/button>\n                            <div class=\"mtt-faq-accordion__content-wrap\">\n                                <div class=\"mtt-faq-accordion__content\">\n                                                                            <div class=\"wysiwyg\">\n                                            <p data-start=\"401\" data-end=\"656\">Absolutely. Many clients come to us after getting initial loan offers. We can still help by comparing your offers, spotting hidden fees, and negotiating better terms \u2013 often saving you thousands.<\/p>\n                                        <\/div>\n                                                                    <\/div>\n                            <\/div>\n                        <\/div>\n                                    <\/div>\n            \n        <\/div>\n    <\/div>\n<\/section><\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Bomae Get a better home loan Finding the right financing can feel overwhelming. Most people know that banks are businesses \u2013 but very few negotiate their home loans. We\u2019re here to change that. Get the best loan \u2013 tailored to your situation An independent advisor working only for you We negotiate price and terms with [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6570,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-2393","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Get a Better Home Loan | Independent Advice from Bomae<\/title>\n<meta name=\"description\" content=\"We compare offers and negotiate with banks, so you save money, avoid stress, and get the best financing possible.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" 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