Pensions

At LSR you get extensive pension rights for you and your family.

More about LSR Pension

Private Pension

Get an add-on from your employer and increase your financial flexibility.

More about LSR Private Pension

Loans

LSR offers fund members diverse and flexible property loans.

More about LSR Loans

Scroll down

LSR Private Pension Savings

Get a pay raise through private pension savings

When you contribute to private pension savings, your employer adds 2% on top of your salary and pays it into your private pensions account. That’s a direct pay raise for you! That’s why everyone should take advantage of private pension savings. Choose wisely – at LSR, you pay no joining fees, management fees, or withdrawal costs.

Apply for Private Pension Further information

pay raise thanks to employer matching contribution

joining fees, management fees, or withdrawal costs

Life Events

We support you at important junctures

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 and your family may be entitled to a spouse's and child's pension. At LSR, you can also save into a private pension fund, which is one of the best savings available, and take out a loan to buy property.

See all life events

Upon the start of employment

What should you keep in mind when you start contributing to LSR?

Young couple looking at a computer at home.

Property purchase

If you are buying a property or refinancing, LSR fund member loans might be a good fit for you.

Elderly lady interacts with a young child in a garden.

Upon retirement

Here are the main things to consider when preparing for your retirement.

If your work capacity is reduced

Entitlement to a disability pension can prove invaluable if your work capacity is reduced.

Upon death

Upon death of an LSR fund member, surviving family members may be entitled to pension payments.

News and announcements

Changed opening hours on 4 and 7 September

1. September 2026

Due to an upgrade of LSR’s information systems from 4–7 September, the Fund will have reduced opening hours on Friday 4 September and Monday 7 September. Some disruption to LSR’s online services can also be expected over the weekend.

Mortgage interest rates lowered

27. August 2026

The interest rate on new LSR mortgages will decrease from 4.5% to 4.4% as of Thursday, 27 August 2026. The loans are inflation-indexed with a fixed interest rate for the entire loan term.

The importance of choosing the right Private Pension Plan

15. July 2026

Private Pension is an excellent way to save, but as a recent study shows, many people do not choose the right savings option. Harpa Jónsdóttir, CEO of LSR, explains why in an article originally published by Vísir.

Mortgage Repayments with Private Pension Savings Made Permanent

22. June 2026

The tax-free use of private pension savings to pay down mortgages has been made permanent through new legislation that will take effect this autumn and apply retroactively from 1 January.

News and announcements overview