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  1. LSR - The Pension Fund for State Employees in Iceland

    Pensions At LSR you get extensive pension rights for you and your family. More about LSR pensions

  2. Overview - LSR

    LSR offers indexed mortgages with a fixed interest rate for the whole loan period. You do not have to pay a prepayment fee, neither when you pay a part of your loan off early nor when it is paid off in full.

  3. Contact us - LSR

    For pension matters: [email protected] For contributions and private pension savings: [email protected] For loan matters: [email protected] Submitted invoices and related issues: [email protected] General inquiries: …

  4. Opening Hours During Christmas 2025 and New Year - LSR

    Dec 18, 2025 · The LSR office and phone service will be closed on public holidays during Christmas and New Year. On the first working day after the holidays, the fund’s services will start at 10:00 AM, one …

  5. News and announcements - LSR

    Dec 12, 2025 · LSR has redesigned two types of applications on My Pages: the application for the payment of Private Pension savings and the application for a spouse’s pension.

  6. Loan calculator - LSR

    Due to a Supreme Court ruling in case no. 55/2024, LSR will for the time being only process applications for indexed loans with fixed interest rates for the entire loan term.

  7. Private pension and specified private pension - LSR

    LSR is owned by fund members, which means that those who save into LSR Private Pension receive all the benefits of the operation of the private pension fund. We charge no initial costs or change costs – …

  8. Overview - LSR

    LSR is both the oldest pension fund in Iceland and the largest in terms of assets. The fund has guaranteed its members and their families extensive rights for over 100 years.

  9. Investments - Overview - LSR

    LSR is a long-term investor with the aim of guaranteeing fund members a good long-term return. At the same time, efforts are made to limit risk as much as possible with a varied and well-diversified portfolio.

  10. Property purchase - LSR

    Property Loans With LSR There are many things to consider when taking out a property loan, as mortgaging your home and committing to paying off the loan even decades into the future is not a …