Housing Financing Fund (HFF)
The HFF is an independent government institution granting mortgage loans to individuals, municipalities, companies and organizations to finance housing purchase and construction work. The fund is financially independent and funds its lending and operations by its own income. The purpose of the fund is to ensure housing security and equality for all Icelanders through lending and organization of housing affairs and special investments in order to increase people´s opportunities of obtaining and leasing housing on controllable terms.

The Housing Financing Fund grants:
  • General housing and home improvement loans to individuals.
  • Loans for rental housing to municipalities, companies and organizations.
  • Loans for extensive housing renovations due to borrower´s limited physical capabilities.

The Board of the Housing Financing Fund is free to create new loan classes, subject to the approval of the Ministry of Social Affairs.

To go to the Housing Financing Fund's website, click here.