If the loan-to-value ratio is lower than 60% of registered real estate value, you pay lower fixed interest. Fixed interest is even lower if the loan-to-value ratio is below 50% of registered real estate value. The difference between the lowest fixed interest rate based on a 50% loan-to-value ratio and the highest fixed rates based on a 70% or higher loan-to-value ratio or, is currently 1.2 percentage points.

No, the offer covers the amount of your current mortgage only. If you need a higher mortgage, the additional loan will carry the terms available at the date of borrowing.

You can make an appointment to come see us and request a Polish or English-speaking advisor.

We offer remote meetings all weekdays between 10:00-18:00.

You can also request an appointment with a Polish or English-speaking advisor by calling our Customer Service Centre at +354 410 4000, emailing landsbankinn@landsbankinn.is or through our web chat on landsbankinn.is.

The safe-deposit boxes from Grindavík were moved to Landsbankinn’s Mjóddin branch. All safe-deposit boxes are intact and none were opened during removal or transport. We recommend that customers make an appointment to come check their safe-deposit boxes. It’s easy to make an appointment here on landsbankinn.is.

We’ve made applying for payment deferral as simple as possible. In almost all cases, the process can be concluded in Landsbankinn’s app.

• Select “Documents” in Landsbankinn’s app and then “Signatures”.
• You’ll find a document awaiting your signature - use electronic ID. All co-payors of the loan must sign the document.
• We’ll take care of the rest and there is no charge for documentation or public registration.

If you haven’t got electronic ID, make an appointment to visit any of our branches and we’ll help you activate the ID. While your there, we can review your options and payment deferral on housing mortgages.

Yes, you need to sign an annex to your mortgage which will be available in Landsbankinn’s app as of 1 December. Please note that where there are two issuers registered to a loan, both need to sign the annex in their app.

Also, if you have two or more mortgages, you’ll get an annex to each loan. Each annex must be signed and the signatures of both issuers are required, such as when spouses are both issuers to housing mortgage.

We encourage you to get Landsbankinn’s app but yes, you can also sign on undirritun.landsbankinn.is.

You can get electronic ID by making an appointment at any of our branches.

Cancellation of interest and indexation is for inhabitants of Grindavík who hold housing mortgages on residential housing and who were legally domiciled and resided in Grindavík when the natural disaster forced them to evacuate their homes. The cancellation is not available for housing that was rented out.

No, it’s not.

This is a question for the tax authorities. Taxation is not Landsbankinn’s purview.

No, there is no cost for the Bank’s customers.

The document (or annex) that requires signature to either request cancellation of interest and indexation or payment deferral is published to the app of customers who are legally domiciled and reside in Grindavík. Please contact us if you need help signing the documents.