At Nykredit, we're different from the rest. Yes, we're a bank. And yes, we're a mortgage lender. But there's one key difference: We're owned by an association of customers. And thanks to the customer ownership, we can share our progress with our customers – and take a unique responsibility for society and the local communities we serve.
Nykredit is owned by an association of customers, Forenet Kredit. The association is the majority shareholder in Nykredit and Totalkredit, and it is committed to ensuring both economically and socially sustainable mortgage lending throughout Denmark.
Read more about Forenet Kredit here.
Thanks to being customer-owned, we're able to share our progress with our customers – and take special responsibility for society and the local communities we serve. This allows us to offer unique customer benefits to our full-service customers.
Our customer benefits include discounts on the fees of personal customers' mortgage loans with Totalkredit and discounts on the fees of business customers' mortgage loans with Nykredit.
45.6% of mortgage lending in Denmark, distributed across the country
40 Totalkredit partner banks
DKK 3.0 billion – Group profit after tax for Q1 2025 (DKK billion)
*Bank lending excluding reverse repurchase lending.
Security and stability have been the distinguishing marks of Nykredit and our core product since 1851, when Nykredit's history began. It is only natural for us to have a vision that reaches many decades ahead. We want to be homeowners' first choice and to be a pillar of strength in the Danish economy.
The aim of our Winning the Double strategy is to ensure a customer-centric, profitable and efficient organisation. We want to make a difference to our personal and business customers and to strengthen our collaboration with the banks that make up the Totalkredit partnership to help them make a difference to their customers. These are our two strategic core priorities.
