Mortgage rates from every lender

See current rates from every lender in Iceland in one place. Set the loan-to-value ratio and the table shows the terms that apply, for both the base loan and the top-up loan.

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Loan-to-value

the loan as a share of the property value

50 %19 of 19 lenders

Rates at 50 % loan-to-value
	Non-indexed				Indexed
									Actions
Almenni lífeyrissjóðurinn	Not offered	Not offered	8.85%fixed for 3 years	Not offered	Not offered	4.40%fixed for 3 years	Not offered	4.40%fixed for the whole term
Arion banki	9.69%	Not offered	8.75%fixed for 3 years	Not offered	Not offered	4.94%fixed for 3 years	Not offered	Not offered
Auður	9.40%9.90% after 3 years	Not offered	Not offered	Not offered	Not offered	Not offered	Not offered	Not offered
Frjálsi lífeyrissjóður	Not offered	Not offered	8.74%fixed for 3 years	Not offered	Not offered	Not offered	Not offered	4.59%fixed for the whole term
Gildi lífeyrissjóður	Not offered	Not offered	Not offered	Not offered	Not offered	Not offered	Not offered	4.30%fixed for the whole term
Íslandsbanki	9.50%	Not offered	8.75%fixed for 3 years	8.45%fixed for 5 years	Not offered	Not offered	4.55%fixed for 5 years	Not offered
Landsbankinn	10.50%	9.20%fixed for 1 years	8.75%fixed for 3 years	8.35%fixed for 5 years	Not offered	Not offered	Not offered	4.45%fixed for the whole termfirst-time
Lífeyrissjóður verzlunarmanna	Not offered	Not offered	8.79%fixed for 3 years	Not offered	Not offered	Not offered	4.40%fixed for 5 years	Not offered
LSR lífeyrissjóður	Not offered	Not offered	Not offered	Not offered	Not offered	Not offered	Not offered	4.40%fixed for the whole term
SL lífeyrissjóður	Not offered	Not offered	Not offered	Not offered	Not offered	Not offered	Not offered	4.40%fixed for the whole term
This table does not tell you which loan to take It shows market rates. To see what suits your property and your budget, calculate the loan. Calculate for my property Loan monitor
Birta lífeyrissjóður	9.10%	Not offered	Not offered	Not offered	3.38%	Not offered	Not offered	3.60%fixed for the whole term
Brú lífeyrissjóður	Not offered	Not offered	Not offered	Not offered	Not offered	Not offered	Not offered	4.30%fixed for the whole term
EFÍA	Not offered	Not offered	8.80%fixed for 3 years	Not offered	Not offered	Not offered	4.50%fixed for 5 years	Not offered
Festa lífeyrissjóður	Not offered	Not offered	Not offered	Not offered	3.60%	Not offered	Not offered	3.85%fixed for the whole term
Lífeyrissjóður bankamanna	Not offered	Not offered	Not offered	Not offered	Not offered	3.95%fixed for 3 years	Not offered	Not offered
Smári Sparisjóður	9.70%	Not offered	Not offered	Not offered	4.80%	Not offered	Not offered	Not offered
Sparisjóður Austurlands	9.65%	Not offered	Not offered	Not offered	4.85%	Not offered	Not offered	Not offered
Sparisjóður Suður-Þingeyinga	9.55%	Not offered	Not offered	Not offered	4.30%	Not offered	Not offered	Not offered
Stapi lífeyrissjóður	Not offered	Not offered	Not offered	Not offered	Not offered	Not offered	Not offered	4.10%fixed for the whole term

Sort by

Almenni lífeyrissjóðurinn
Non-indexed, fixed 3 years
8.85%fixed for 3 years
Indexed, fixed 3 years
4.40%fixed for 3 years
Indexed, fixed longer
4.40%fixed for the whole term
Arion banki
Non-indexed, variable rate
9.69%
Non-indexed, fixed 3 years
8.75%fixed for 3 years
Indexed, fixed 3 years
4.94%fixed for 3 years
Auður
Non-indexed, variable rate
9.40%9.90% after 3 years
Frjálsi lífeyrissjóður
Non-indexed, fixed 3 years
8.74%fixed for 3 years
Indexed, fixed longer
4.59%fixed for the whole term
Gildi lífeyrissjóður
Indexed, fixed longer
4.30%fixed for the whole term
Íslandsbanki
Non-indexed, variable rate
9.50%
Non-indexed, fixed 3 years
8.75%fixed for 3 years
Non-indexed, fixed 5 years
8.45%fixed for 5 years
Indexed, fixed 5 years
4.55%fixed for 5 years
Landsbankinn
Non-indexed, variable rate
10.50%
Non-indexed, fixed 1 year
9.20%fixed for 1 years
Non-indexed, fixed 3 years
8.75%fixed for 3 years
Non-indexed, fixed 5 years
8.35%fixed for 5 years
Indexed, fixed longer
4.45%fixed for the whole termfirst-time
Lífeyrissjóður verzlunarmanna
Non-indexed, fixed 3 years
8.79%fixed for 3 years
Indexed, fixed 5 years
4.40%fixed for 5 years
LSR lífeyrissjóður
Indexed, fixed longer
4.40%fixed for the whole term
SL lífeyrissjóður
Indexed, fixed longer
4.40%fixed for the whole term
This table does not tell you which loan to take
It shows market rates. To see what suits your property and your budget, calculate the loan.
Calculate for my property Loan monitor
Birta lífeyrissjóður
Non-indexed, variable rate
9.10%
Indexed, variable rate
3.38%
Indexed, fixed longer
3.60%fixed for the whole term
Brú lífeyrissjóður
Indexed, fixed longer
4.30%fixed for the whole term
EFÍA
Non-indexed, fixed 3 years
8.80%fixed for 3 years
Indexed, fixed 5 years
4.50%fixed for 5 years
Festa lífeyrissjóður
Indexed, variable rate
3.60%
Indexed, fixed longer
3.85%fixed for the whole term
Lífeyrissjóður bankamanna
Indexed, fixed 3 years
3.95%fixed for 3 years
Smári Sparisjóður
Non-indexed, variable rate
9.70%
Indexed, variable rate
4.80%
Sparisjóður Austurlands
Non-indexed, variable rate
9.65%
Indexed, variable rate
4.85%
Sparisjóður Suður-Þingeyinga
Non-indexed, variable rate
9.55%
Indexed, variable rate
4.30%
Stapi lífeyrissjóður
Indexed, fixed longer
4.10%fixed for the whole term

The table is sorted by the nominal rate of each loan package. It is meant as a clear comparison of interest terms, not as a final judgement of which loan is cheapest for you. Final terms can also depend on the loan term, the amount, the property itself and the lender’s own assessment.

8,459,95Base loan rate on top, top-up loan belowfirst-timeTerms available to first-time buyers onlyFinding this complicated? Use the old table

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This is a comparison table, not advice. It does not account for payment capacity, loan term or total cost. Choosing a loan? Use the tools above.