Finance partners
Referral to partners who lend for property purchases
If you are buying a second home, a home to rent out or buying through a company, we refer you to partners who lend for exactly that kind of purchase. The partner assesses and decides. You pay nothing to us.
Get a referral
Fill in a short form, and we will call you.
- We do not ask about your finances
- Nothing is passed on without your consent to that particular partner
- You pay nothing to us
Who we refer
Individuals and companies buying a home in Copenhagen or Frederiksberg.
A second home
You already own a home and want to buy another.
A home to rent out
You want to buy a home in your own name and rent it out.
Investment
You want to buy a home as part of your wealth.
Buying through a company
Your company wants to buy one or more homes.
How the referral works
Three steps, and you decide all the way.
You fill in a short form
Your name and contact details, whether you are buying privately or through a company, and what you are buying for. We do not ask about your finances.
We call you
We tell you which of our partners lend for that kind of purchase, and you get the partner’s name. You decide whether you want to be referred.
We pass on your contact details
Only when you have said yes to that particular partner do we pass on your name, email, phone number and the purpose. The partner contacts you, assesses and decides.
What you should know
We refer. The partner lends
- Our partners are property credit companies licensed by the Danish Financial Supervisory Authority.
- They lend for buying a home, including a second home, a home to rent out and buying through a company.
- The partner assesses your situation and decides whether you get a loan.
- The loans typically cost more than a loan from a bank.
- We only refer. We do not advise on loans and do not look at your finances.
- BY Administration receives a fee from the partner when we refer you. You pay nothing to us.
A second home as an investment
Why investors buy a second home
Five conditions characterise the market for homes to rent out in Copenhagen.
- More people want to live in the city. The Municipality of Copenhagen gained 75,854 residents from Q3 2016 to Q3 2026, and the municipality’s projection from December 2025 expects almost 113,000 more by 2060.
- Less is being built. Danmarks Nationalbank wrote in November 2025 that construction of new homes in Copenhagen has slowed while the population keeps growing.
- Many people rent. Private rental housing is the most common form of tenure in the Municipality of Copenhagen, with three in ten homes, according to the municipality’s housing report from December 2025.
- A home is a real asset. You own a specific apartment or house that you maintain and rent out yourself, within the Danish Rent Act and the property’s articles.
- Rent follows the Danish Rent Act. The Rent Act and the rent tribunals set the framework for how high the rent may be.
These conditions describe the market. They say nothing about how the price or the rent of your particular home will develop.
Sources
- Statistics Denmark, table FOLK1A: population on the first day of the quarter, retrieved 1 October 2026
- Municipality of Copenhagen: Boligredegørelse 2025 (housing report), December 2025, pp. 9 and 36, in Danish
- Danmarks Nationalbank: Et boligmarked i to tempi (a housing market at two speeds), Analysis no. 27, 25 November 2025, pp. 1 and 4, in Danish
- The Danish Rent Act, Act no. 341 of 22 March 2022 as amended, in Danish
Residents in Copenhagen and Frederiksberg
Number of residents in Q3. The Municipality of Copenhagen has 75,854 more residents than ten years ago.
| 2016 | 2025 | 2026 | |
|---|---|---|---|
| Municipality of Copenhagen | 594,535 | 667,574 | 670,389 |
| Municipality of Frederiksberg | 104,180 | 105,637 | 105,947 |
The banks’ rules
Why banks set special requirements for a second home
Banks and mortgage credit institutions should follow the Danish Financial Supervisory Authority’s guidelines, and mortgage credit is bound by the Mortgage Credit Act, when a private customer buys a second home.
- Copenhagen, the surrounding municipalities and Aarhus are growth areas in the Danish Financial Supervisory Authority’s guidelines from 2023. Here, banks and mortgage credit institutions should exercise appropriate caution and take account of the particular risk when lending for private customers’ owner-occupied and cooperative homes.
- The guidelines state that owning two homes at the same time places particularly high demands on the robustness of the customer’s income and liquidity.
- If the customer will own more than two homes, the customer should be able to pay for all of them for as long as the institution expects the customer to own them, and for at least 12 months. Net wealth should as a general rule be able to withstand a marked fall in the value of the homes.
- If the customer chooses a variable loan, the bank or mortgage credit institution should as a general rule check whether the customer could afford a fixed loan that is more expensive than today’s, with instalments.
- The Danish Financial Supervisory Authority as a starting point regards total debt of more than four times annual income before tax as a high debt-to-income ratio. With a high debt-to-income ratio, net wealth should as a general rule be able to withstand a fall in the value of the home.
- Under the Mortgage Credit Act, mortgage credit institutions may only lend up to a fixed share of the home’s value. An owner-occupied flat let to others must as a starting point be valued by the institution on the basis of a profitability calculation that starts from the flat’s net rent.
Property credit companies are a different type of lender and must be licensed by the Danish Financial Supervisory Authority. When they lend to consumers, they too must assess creditworthiness and as a starting point ensure an appropriate down payment. The partner makes its own assessment and decides, and the loans typically cost more than at a bank.
Sources
- Danish Financial Supervisory Authority: Guidelines on prudence in credit assessment when lending against homes in growth areas, no. 9299 of 20 April 2023, points 1, 4 and 5, in Danish
- Danish Financial Supervisory Authority: Guidelines to the executive order on good practice for mortgage credit, no. 9458 of 1 June 2023, on high debt-to-income ratios, in Danish
- Executive Order on good practice for mortgage credit, no. 1443 of 27 November 2025, sections 1, 2, 17 and 19, in Danish
- The Danish Mortgage Credit Act, Consolidated Act no. 1541 of 18 November 2025, section 5, in Danish
- Executive Order on valuation of security and loans in real property as collateral for the issue of covered bonds, no. 807 of 31 May 2022, sections 10 and 15, in Danish
- The Danish Property Credit Companies Act, Consolidated Act no. 285 of 1 March 2023, sections 1 and 2, in Danish
Before you buy
What to consider first
A home to rent out is an investment with risk. Go through these points before you bid.
- Prices can fall. Danmarks Nationalbank wrote in November 2025 that periods of high house price growth have previously been followed by large price falls.
- The cost of borrowing varies. New mortgage credit loans to households cost markedly more in October 2023 than in January 2022, according to Statistics Denmark.
- The home can stand empty. Loans, common charges and maintenance must be paid, also in the months without a tenant.
- The rent does not necessarily cover the costs. Rent is set under the Danish Rent Act, and in a property that had at most six apartments on 1 January 1995 you cannot base it on your own costs for loans and common charges.
- There is a residence requirement. Most homes in the Municipality of Copenhagen must be used as year-round homes, and it is the owner who must make sure the home is lived in.
- The loan is secured on the home. Ask the lender what else you are liable for, also if you buy through a company.
- Loans from property credit companies typically cost more than a loan from a bank.
Have your own bank, an accountant or another professional work through the numbers before you buy. We do not do that.
Sources
- Danmarks Nationalbank: Et boligmarked i to tempi (a housing market at two speeds), Analysis no. 27, 25 November 2025, pp. 1 and 4, in Danish
- Statistics Denmark, table DNRNURI: new mortgage credit lending to households, January 2022 to August 2026, retrieved 1 October 2026
- The Danish Rent Act, Act no. 341 of 22 March 2022 as amended, in Danish
- Municipality of Copenhagen: Six or fewer residential apartments in one property, in Danish
- Municipality of Copenhagen: Rules on the residence requirement, in Danish
- The Danish Housing Conditions Act, Act no. 342 of 22 March 2022 as amended, sections 4, 5 and 7, in Danish
- Executive Order on good practice for mortgage credit, no. 1443 of 27 November 2025, sections 1, 2, 17 and 19, in Danish
We know renting out
Our customers are landlords and investors, and we rent out and manage homes in Copenhagen and Frederiksberg. Once you have bought, we can rent out and manage the home for you if you want us to.
It is never a condition for a referral.
Frequently asked questions
Answers to what people ask most about a referral.
Do you lend money yourselves?
No. We refer you to our partners, who are property credit companies licensed by the Danish FSA. The partner assesses and decides.
Who are your partners?
Property credit companies licensed by the Danish FSA that lend for buying a home. You get the name when we call you, and you decide whether you want to be referred.
Get a referralWhat do you get for it?
BY Administration receives a fee from the partner when we refer you. You pay nothing to us.
Do you advise on the loan?
No. We tell you which partners lend for the kind of purchase you are planning. You discuss the loan and its terms with the partner.
Does the loan cost more than at a bank?
The loans typically cost more than a loan from a bank. The partner tells you about the terms.
Why do banks set special requirements for a second home?
The Danish FSA’s guidelines on growth areas state that owning two homes at the same time places particularly high demands on the customer’s income and liquidity. Copenhagen, the surrounding municipalities and Aarhus are growth areas, so banks and mortgage credit institutions should exercise appropriate caution and take account of the particular risk here.
What is a property credit company?
A company that, on a commercial basis, lends to consumers secured on residential property. It requires a licence from the Danish FSA under the Danish Property Credit Companies Act.
Do the rules on good practice for mortgage credit also apply to your partners?
The rules on good practice for mortgage credit also apply to property credit companies when they lend to a consumer. Among other things, the partner must assess your creditworthiness and as a starting point ensure an appropriate down payment. The partner tells you what applies in your case.
Can I be referred if a bank has said no?
Yes. The partner assesses your situation and decides.
Can companies be referred?
Yes. We refer both private individuals and companies, such as an ApS buying a home to rent out.
What do you pass on to the partner?
Your name, email, phone number and the purpose of your purchase. This only happens once you have received the partner’s name and said yes to that particular partner.
Read the privacy policyWhy do investors buy a second home in Copenhagen?
Many people want to live in the city. The population is growing, construction has slowed, and private rental housing is the most common form of tenure in the Municipality of Copenhagen. There are also risks, such as falling prices, empty months and the rent following the Danish Rent Act.
Do you help with the numbers for the purchase?
No. We do not look at your finances. Have your own bank, an accountant or another professional work through the numbers before you buy.
Do I have to use you as my managing agent afterwards?
No. We can rent out and manage the home if you want us to, but it is never a condition.
