Question 1

What is Lánaráðgjöf?

Accepted Answer

Lánaráðgjöf is an independent advisory firm that helps you with all matters related to loans. We compare loans from all major lenders so you can choose what suits you best and key information you can use to make an informed decision about your future borrowing.
Loan advisory does not constitute advice as defined by Act No. 118/2016 on consumer mortgages.

Question 2

What does “free mortgage assessment” mean?

Accepted Answer

When you complete the questionnaire through “get a free assessment,” we compare your loan with the possible interest terms offered by all lending institutions. Afterwards, we inform you whether your loan has favorable interest terms or if better options are available.

Question 3

What does loan advisory cost?

Accepted Answer

The general fee is 25,900 ISK per consultation. First-time buyers receive a 15% discount on advisory services. However, it costs nothing to receive a free assessment of your current mortgage.

Question 4

What types of loans can you help me with?

Accepted Answer

We assist you with anything related to loans. Whether it’s a mortgage, car loan, student loan, overdraft, or other types of loans, you can turn to us for help.

Question 5

Is the service independent of lenders?

Accepted Answer

Yes. Lánaráðgjöf is not affiliated with any lender. We compare products from all major banks and financial institutions in Iceland and do not accept commissions from them — this is how we ensure objective advice.

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