Cookies

By clicking "Allow All", you agree to the use of cookies to enhance website functionality, analyse website usage and assist with marketing.

More on cookies

Re­fin­an­cing easi­er than ever

You can now refinance your housing mortgage even more easily on our web or through Landsbankinn’s app. Refinancing of housing mortgages has never been quicker or more convenient.
Fjölskylda
7 March 2024 - Landsbankinn

Refinancing in just four easy steps:

Gather information for credit assessment: You authorise us to gather the necessary information to carry out a credit assessment.

Credit assessment: We use the information to make a credit assessment, meaning that we assess your monthly debt service or repayment capacity and show you the results.

Set up the loan: You determine the amount of the loan, within the parameters of the credit assessment, and which loan or loans to refinance. We set up as many as three loan types for you to review, adjust and select from. 

Summary: Once you’ve decided what best suits your needs, you can take a close look at the application before you submit it. We’ll review it and contact you shortly.

Most convenient way to refinance

Not so very long ago, applying for a housing mortgage was quite complicated - in recent years, we’ve simplified the process considerably. Two years ago, we were the first to offer electronic public registration of mortgage documents and we are still the only lender that does.

Once the bill on electronic debt instruments passes into law, there is nothing to stop the entire mortgage refinancing process from being completed in the app or the Bank’s website. When you’ve decided on the type of loan you want, what follows should be a matter of minutes.

Easy to compare options

This year and next, the fixed-rate period on housing mortgages ends for many customers. It’s natural to consider options at this point. You can use our online mortgage calculator, try out the new refinancing process to review your options or contact our advisors before taking a decision. We offer competitive terms and first-rate advice and service.

Applying for a loan on the web or through our app is simple.

You may also be interested in
Yayland
4 June 2025
YAY and Landsbankinn found Yayland
Fintech company YAY and Landsbankinn have come together to create a new company, Yayland ehf., which will specialise in the development, sale, issuance and operation of both digital and physical prepaid cards, gift certificates and loyalty cards. Yayland will take over the entire gift card operation of YAY in Iceland as well as all issuance and operation of prepaid cards for Landsbankinn.
Námsstyrkir 2025
3 June 2025
ISK 8 million in scholarships
Landsbankinn awarded sixteen talented students with scholarships from the Bank’s Community Fund on 28 May. This was the 36th allocation of scholarships which amount in total to ISK 8 million. Over 450 applications were received this year.
Skólahreysti 2025
26 May 2025
Holtaskóli winner of Skólahreysti 2025
Holtaskóli has emerged as the winner of Skólahreysti 2025 and is the Skólahreysti champion! The exciting final competition between 12 schools took place before a packed auditorium at the sports hall Varmá in Mosfellsbær, Saturday 24 May.
Landsbankinn
23 May 2025
Landsbankinn changes interest rates
Landsbankinn changes deposit and lending rates and the new interest rate tariff enters into effect on 3 June 2025.
Nasdaq bjalla
16 May 2025
Landsbankinn Corporate Finance advisor to the government in successful Íslandsbanki PO  
Landsbankinn Corporate Finance acted as an independent financial advisor to the Icelandic government and supervised the marketed public offering of the State’s remaining shareholding in Íslandsbanki, a sizeable and well-organised project that garnered significant attention from investors. 
Austurstræti 11
16 May 2025
Austurstræti 11 and Hafnarstræti 10, 12 and 14 for sale
Landsbankinn advertises for sale its buildings at Austurstræti 11 and Hafnarstræti 10, 12 and 14 in Reykjavík. The combined size of the buildings is 5,836 square metres, including 1,380 square metres of basement area. The buildings will be sold as one lot.
Austurbakki
28 April 2025
S&P upgrades Landsbankinn’s credit rating to A-
S&P Global Ratings has today announced an upgrade of Landsbankinn’s long-term credit rating from BBB+ to A-. This is the highest the Bank’s credit rating has been since 2014, when S&P started issuing ratings for the Bank.
16 April 2025
Service over Easter - the app and Ellí are open
Landsbankinn’s branches and service centres will as usual be closed over Easter and open again on Tuesday, 22 April.
9 April 2025
Economic forecast to 2027: Fair outlook yet anything may happen
Landsbankinn Economic Research today published its economic forecast to 2027. Economic Research forecasts 1.4% economic growth this year and 2.1% next year. Rarely has uncertainty been greater and the forecast can be said to hold until further notice. 
8 April 2025
Full house at Landsbankinn on DesignMarch
The atmosphere was exciting and the house packed at Landsbankinn’s DesignMarch event on Friday, 4 April. The event began with a discussion about funding and design, and in the evening, young fashion designers took over the stage.