Mortgages

Do you want to buy a new house or re-finance your home? We offer a wide range of mortgage options.

A wide range of options


We offer both indexed and non-indexed loans as well as the option of mixing the two. Explore our options to see what suits you.

Mortgage calculator


The calculator is in Icelandic. Please don't hesitate to contact us if you need more information or assistance.

Calculate mortgage

Credit score evaluation

How to I get evaluated?

What is a credit score evaluation?

Your credit score shows how capable you are of paying your mortgage payments. You can complete a full evaluation online without visiting our branches. (In Icelandic)

Easy access to advice

Our advisors will give you all the information you need to choose the right mortgage for you.

We can offer you information on the following:

  • How a credit score evaluation is processed 
  • A comparison of mortgage options
  • Loan costs
  • Refinance costs
  • Other services provided by us to meet your specific mortgage needs

Choose a date and time that suits you and we can take care of the rest.

Buying a new home

Buying a new home is often the best time to reassess your mortgage.

You may need to transfer your mortgage to your new property or add to it.

Why should you refinance?

  • Market changes
  • Lower interest rates
  • Lower monthly payments
  • Higher equity percentage

First time buyer

Mortgage Plus

Finding the money to pay for your first home can be tough. We offer an extra loan of up to ISK 3 million to help you take that first step.