Danish mortgage lending for home purchases rose 14% year-on-year in the first quarter of 2026, reaching approximately DKK 35.8 billion, according to new data from Finans Danmark, the industry organisation for banks and mortgage lenders. The total gross lending for owner-occupied homes, including refinancing and additional loans, amounted to DKK 92.6 billion, up 12.5% from the same period last year. Refinancing and additional loans accounted for DKK 52.5 billion, a 11.5% increase, representing 56% of total lending.
"The figures indicate that the housing market continues to perform well. More Danes are taking out loans for home purchases, and activity is broadly based with growth in large parts of the country – not just in the largest cities," said Peter Jayaswal, deputy director for mortgage and property finance at Finans Danmark. He noted that March 2026 recorded the highest number of loan offers for home purchases since spring 2022, underscoring strong market interest.
A total of 14,995 new loans for home purchases were granted in Q1 2026, with increases in 77 out of 98 municipalities. The largest rises were in Ringkjøbing-Skjern (54%) and Furesø (52%), compared to 24% in Aarhus and 12% in Copenhagen. Jayaswal added that many homeowners are actively adjusting their loans through refinancing, likely driven by interest rate developments and a desire to optimise their housing finances.
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