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.
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.

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