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Articles of Association

The latest LSR Articles of Association took effect on 25 March, 2026.

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Investments - Overview

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.

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Published content, annual reports and more

All published content by LSR, annual reports, financial statements, newsletters and more.

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Overview

At LSR, you may apply for a mortgage loan if you have paid contributions to LSR at any time during the past five years. LSR mortgage loans are available as indexed loans with fixed interest rates for the entire loan term, and you can choose between equal ...

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LSR - Sustainability information

LSR adopts responsible practices, guided by diligent work, professionalism, and initiative. LSR’s sustainability policy outlines the fund’s main priorities regarding sustainability and how these priorities are integrated into its operations.

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Privacy Policy

LSR processes personal data in accordance with applicable data protection legislation at all times. Personal data protection is important to LSR Strong data protection is a priority for LSR. The fund is committed to respe...

/en/about-lsr/roles-and-policies/privacy-policy/

Organisational Chart

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Life events – summary

As a LSR fund member, you gain the right to a pension for the rest of your life. In addition, the pension premium entitles you to a disability pension if your work capacity is impaired, and in the event of your death, your family may be entitled to a spou...

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Excess Payments and Prepayments

Prepayment fee from 15 June 2026 From 15 June 2026, new mortgage loans will carry a prepayment fee for the first 5 years of the loan term. The prepayment fee will never exceed 0.2% of the amount of the excess payment for each full year remaini...

/en/loans/further-information/excess-payments-and-prepayments/

Division A - Foreign nationals

Foreign nationals who have paid premiums to LSR are entitled to a pension and disability pension in accordance with the premiums paid, as well as having the option of a spouse and child pension if the conditions are met. Such payments must be applied for ...

/en/pensions/division-a/pension-payments/foreign-nationals/