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Spry Finance, Lifetime mortgages and equity release for over 60s in Ireland.

  • About Us
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      About Us
    • Our Team
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    • Later Life, Greater Life
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  • How it works
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      How it works
    • The Process
    • Equity Release
    • Eligibility Criteria
    • How much can be borrowed?
    • Interest
    • Switching to a Lifetime Mortgage
    • Optional Repayments
    • Fees and Costs
    • No Negative Equity Guarantee
    • Early Repayment Charges
    • Residents in the home
    • Borrowing more
    • Repayment Events
  • Think it Through
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      Think it Through
    • Your Needs and Options
    • How much to borrow
    • How much will be left?
    • Equity Release Calculator
    • Talking it over
    • Myth Busting Series
    • Customer Reviews
    • Customer Case Studies
    • Spry Videos
  • Our Products
      PAYMENT REWARD MORTGAGE - NEW SPRY PRODUCT
      Our Products
    • Standard Lifetime Mortgage
    • Green Lifetime Mortgage
    • Guaranteed Inheritance Lifetime Mortgage
    • NEW Payment Reward Lifetime Mortgage
    • Second Home Lifetime Loan
    • Buy-to-Let Lifetime Loan
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NEW Payment Reward Lifetime Mortgage

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Embrace whatever the future holds

New Loan Enquiry (01) 5822 580
With Spry Finance life never gets old

The best thing about getting older is being older

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We understand that everyone’s circumstances are different. Spry Finance is here to help you decide if a Lifetime Mortgage is right for you.

Spry Finance Sustainability Statement

At Spry Finance, we take responsibility for how we run our business, not just the financial services we provide.

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Stay cool and on trend on holiday

New season styling inspiration that translates into a practical, affordable holiday edit.

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Summer garden inspiration

Get the garden guest-ready this summer, without calling in the designers.

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New Loan Enquiry

We will do everything we can to help you understand how a Lifetime Mortgage works and if it is right for you.

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David Brady explains the new Payment Reward Lifetime Mortgage on offer from Spry Finance

The new Payment Reward Lifetime Mortgage

David Brady explains all about Ireland’s first ‘hybrid’ mortgage for homeowners over 55.

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Can I switch to a Lifetime Mortgage?

If you are over 60 you may be able to refinance an existing mortgage secured on your home subject to eligibility & lending criteria.

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Puzzles of the Month

You’ll find a range of puzzles on the Spry Hub, all designed to be accessible, enjoyable, and good for the brain.

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Equity Release Eligibility Criteria Spry Finance - calculate how much you can borrow

Equity Release Eligibility Criteria

Your property must be worth at least €300k in Dublin and €225k outside Dublin.

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Green Lifetime Mortgage

The Green Lifetime Mortgage packs more benefits like a reduced interest rate and set-up fee to the standard Lifetime Mortgage.

Green Lifetime Loan
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No Negative Equity Guarantee

You will never owe more than the value of your home.

No Negative Equity Guarantee
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Optional Repayments

Optional Repayments can be made to manage the loan balance without incurring an Early Repayment Charge (ERC) if you so wish.

Optional Repayments
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Think it Through

We understand that this is an important decision in your life, at Spry we don’t take this lightly.

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Lifetime Mortgage Calculator

Lifetime Mortgages are not right for everyone so before you go ahead consider all the alternatives.

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Living with a Loan

We’re with you at every stage of the decision making process, offering sound advice.

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Dublin City FM Interview

David Brady explains all about Lifetime Mortgages and busts a few myths.

David Brady Dublin City FM Interview
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Switching to a Lifetime Mortgage »

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Borrowing More  »

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Find out about Your Eligibility

How it works

Lifetime Mortgages are a type of equity release that secures financing against your home. There are a number of benefits to a Lifetime Mortgage, such as retaining ownership of your home, optional repayments and increased cash availability.

Designed to last for the rest of your life, there are no regular repayments required. You do, of course, have the option to make repayments if you wish.

Talk to us  Find out How it works

Our Products

We will be there to help with any queries you may have in relation to your Lifetime Mortgage. We will guide you through the process, telling you exactly how it all works.

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Standard Lifetime Mortgage »

Spry Finance Payment Reward Example Case Study Jean and Graham

Payment Reward Lifetime Mortgage »

Spry Finance Green Lifetime Mortgages -equity release - illustration of retired couple watering flowers

Green Lifetime Mortgage »

Spry Finance Guaranteed inheritance Mortgage - illustration of woman in a garden

Guaranteed Inheritance Lifetime Mortgage »

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Green Guaranteed Inheritance Lifetime Mortgage »

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Second Home Lifetime Loan »

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Buy to Let Lifetime Loan »

Some say life is short, but it's the longest thing you'll ever do.

If you have future plans that need financing and you’re over 60, a lifetime mortgage could be the solution you’re looking for.

Talk to us   New loan enquiry

Marty Whelan video image link

Understanding the Equity Calculator with Marty Whelan

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Find out more about Lifetime Mortgages

Understanding the Equity Calculator transcript »   About Lifetime Mortgages transcript »

Customer Reviews

We are extremely happy with all the advice given. The consultant we dealt with was very professional. All the advice we received was very informative, all questions we asked explained in detail. Many thanks to everyone for the service you provided.

Couple.
Using their loan to supplement their income and provide financial security.

I am very grateful to the Spry Consultant who expertly explained all aspects of procuring a Lifetime Loan from Spry Finance. It was marvellous to have brochures in addition, which clearly spelt out the complete process and possibilities.

Single Female.
Using Funds to Gift as a Living Inheritance to help son purchase a property.

Great service and very happy with all dealings with Spry. Very well explained at the outset. Efficient service. Found follow ups very useful.

Widow. Age 72.
Provide financial security, clear small debt and complete some internal home improvements.

Extremely impressed with the service of Spry Finance. Arranged very quickly and professionally. I would highly recommend to anyone needing to free up finances.

Widower. Age 88.
Gifting to family.

Spry Finance provided me with a very transparent straightforward way of raising cash. My solicitor also found Spry a very straightforward company to deal with. Am very pleased.

Retired Couple.
Using funds for home improvements and to upgrade BER Rating.
Case Study James & Emily

James & Emily

Case Study Richard & Grainne

Richard & Grainne

Spry Case Study - woman in her early 60's Lifetime Mortgage

Meet Aisling

Case Study Spry Finance Ruth

Meet Ruth

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Meet Nuala

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Meet Meabh

Retired Couple, Customer Case Studies image Spry Finance - Tom & Charlotte

Meet Tom & Charlotte

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Meet Olivia

Customer Case Studies

All across Ireland, thousands of people over 60 have trusted us to help them unlock the value in their homes, giving them more freedom to enjoy the things that matter most.

Whether it’s funding home improvements, topping up their retirement pot, or giving loved ones a leg up, our customers’ stories speak for themselves.

Take a moment to read their stories and see how equity release really could brighten your future too.

Our Case Studies

News & Insights

Follow our journey and keep up-to-date with our news articles and blog posts.

See all news
  • Later Life Trends and insights 2025 Spry Finance

    One in three equity release customers in Ireland are single women

  • Celebrating Positive Ageing – Spry’s Commitment in Action

  • Spry Blog post HCCI Home Care Awards 2025

    Celebrating Ireland’s Everyday Heroes: The HCCI Home Care Awards 2025

Legal Warnings

The following warnings contain important and useful information so please read them carefully.

For Lifetime Mortgages or Lifetime Loans:

WARNING: WHILE NO INTEREST IS PAYABLE DURING THE TERM OF THE MORTGAGE, INTEREST IS CHARGED EACH MONTH AND ADDED TO THE AMOUNT OWED. THE AMOUNT OWED PLUS THE ADDED INTEREST IS THEN PAYABLE IN FULL IN CIRCUMSTANCES SUCH AS DEATH, OR PERMANENT VACATION OR SALE OF THE MORTGAGED PROPERTY.

WARNING: UNLIKE CERTAIN OTHER MORTGAGES WHERE INTEREST IS CHARGED ON A SUM THAT DECREASES WITH TIME, INTEREST ON LIFETIME MORTGAGES IS CHARGED ON AN INCREASING SUM (MADE UP OF THE OUTSTANDING MORTGAGE AND ADDED INTEREST AMOUNTS), AND THEREFORE THE TOTAL AMOUNT OWED CAN INCREASE QUICKLY. AS YOU ARE NOT REQUIRED TO MAKE ANY SCHEDULED REPAYMENTS, THE INTEREST ON YOUR MORTGAGE IS ADDED TO YOUR OUTSTANDING DEBT ON A CONTINUAL BASIS AND YOU ARE EFFECTIVELY CHARGED INTEREST ON THAT INTEREST. THIS IS CALLED ‘COMPOUND INTEREST’.

WARNING: THE LONGER A LIFETIME MORTGAGE REMAINS UNPAID, THE MORE MONEY YOU WILL OWE AND THE AMOUNT YOU OWE COULD EVENTUALLY COME CLOSE TO OR EQUAL, THE VALUE OF THE MORTGAGED RESIDENTIAL PROPERTY.

WARNING: PURCHASING THIS PRODUCT MAY NEGATIVELY IMPACT ON YOUR ABILITY TO FUND FUTURE NEEDS. BEFORE PURCHASING THIS PRODUCT, YOU SHOULD GET INDEPENDENT LEGAL OR FINANCIAL ADVICE.

WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED-RATE LIFETIME MORTGAGE EARLY.

If your Lifetime Mortgage or Lifetime Loan is being used for debt consolidation purposes:

WARNING: THIS NEW CREDIT MAY TAKE LONGER TO PAY OFF THAN YOUR PREVIOUS CREDIT. THIS MEANS YOU MAY PAY MORE THAN IF YOU PAID OFF YOUR CREDIT OVER A SHORTER TERM.

For customers switching from a Variable Rate Lifetime Mortgage or Lifetime Loan to a Fixed Rate Lifetime Mortgage or Lifetime Loan:

WARNING: IF YOU SWITCH FROM A VARIABLE RATE LIFETIME LOAN TO A FIXED RATE LIFETIME LOAN OR FIXED RATE LIFETIME MORTGAGE YOU WILL NOT BE CONTRACTUALLY ENTITLED TO GO BACK TO THE VARIABLE RATE LIFETIME LOAN IN THE FUTURE.

Spry Finance

Spry Finance
2 Donnybrook Road,
Dublin 4,
D04 NN50,
(01) 5822 580

Registered Office:
Fifth Floor,
40 Mespil Road,
Dublin 4,
D04 C2N4,
Ireland
Registered No. 409589

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Seniors Money Mortgages (Ireland) DAC, trading as Seniors Money, Spry Finance and Spry is regulated by the Central Bank of Ireland.

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