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


We are in the process of designing a new mortgage calculator. You can still calculate your mortgage using our older model. Thank you for your patience.

Calculate mortgage

Credit score evaluation


What is a credit score evaluation?

Your credit score shows how capable you are of paying your mortgage payments.

How can I be evaluated?

You can receive an instant credit score evaluation, within 5 minutes, by filling out your details here. You can then 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. Choose a date and time that suits you and we can take care of the rest. 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

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

Mort­gage protec­tion cover


We offer a mortgage insurance plan, to our mortgage customers, so that they can look after their loved ones after they are gone.

Mortgage interest rates


Our mortgage rates are influenced by internal and external factors. These include changes to bank credit terms, operational costs, state fees or other unforeseen costs, short-term interest rates of the Central Bank of Iceland and the consumer price index, etc.

More on interest rates (in Icelandic)