The MitHjem Universe

Mit Hjem is Totalkredit’s digital home universe, offered together with its partner banks. Alongside a property search for anyone looking to buy, homeowners log in to a personal dashboard with their mortgage loans, the estimated value of their home, their friværdi, KundeKroner and the local housing market, plus the opportunities and risks connected to their property. Built with a strong focus on accessibility and written in plain, down-to-earth language, it turns complex numbers into something everyone can understand and act on, and makes it easy to take the next step with their bank advisor.

Mit Hjem: everything about your home and your mortgage, in one place

The challenge
For most Danes, their home is their biggest asset, yet the numbers behind it are spread out and hard to make sense of: what the home is worth, how much is left on the loans, how much friværdi has built up, and what an improvement would actually mean financially. Totalkredit wanted to give homeowners one clear overview, and to give them good reasons to talk to their local bank advisor at the right moments. As a mortgage platform used by a broad cross-section of the population, it also had to work for everyone, regardless of age, ability or financial know-how.

The solution

Mit Hjem combines two things:

• A property search open to everyone, where each listing shows not just the price but what it means for you: down payment, monthly ownership costs, price per m² and energy label.

  
  

• A logged-in dashboard where homeowners follow their own home over time, organized into clear sections for overview, loans, value, the property itself and the local market.

The dashboard visualises the numbers that matter: each mortgage loan with its interest rate, remaining term and outstanding debt; the estimated value of the home and how friværdi develops; and the KundeKroner discount for the next payment. It also highlights opportunities and risks, for example showing how replacing an oil boiler with a more sustainable heating solution can lower running costs, and flagging factors that could affect a current or future home. A direct line to the customer’s own bank advisor is always close at hand.

Accessibility from the start

Accessibility wasn’t added at the end; it shaped the product from the first sketches. That meant sufficient contrast and readable type, clear structure and hierarchy, data visualisations that don’t rely on colour alone, and components built to work with keyboard navigation and screen readers. Plain language played the same role for the content: financial terms are explained in everyday words, so the product is understandable for people who aren’t used to reading loan statements.

The product

Mit Hjem gives Totalkredit’s customers an overview of their home and mortgage that they can actually understand and use. It’s offered through a wide network of partner banks, from AL Sydbank and Coop Bank to local savings banks, and gives homeowners a natural reason to contact their advisor when an opportunity comes up.

As one of the two UI designers on the project I collaborated closely with the UX researcher, copywriter and the front-end developers. Being in the same room meant design and development moved forward together: we designed and built in short loops, tested ideas in code early, and adjusted along the way rather than handing off finished screens. My work covered the visual design of the dashboard and property search, the components behind them, the design system and keeping accessibility and clarity intact as designs became working product.