About Lifetime Loans

Lifetime Loans are a type of equity release that secures financing against your home. There are a number of benefits to a Lifetime Loan, 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. The loan only becomes repayable after you sell your home, die or permanently move out of the home.

Our Lifetime Loans are available to those over 60, residents in Ireland who own their own home, click on this link to read our full lifetime loan eligibility criteria »


How much can you borrow?

The maximum amount you can borrow is determined by your age and the value of your property, for more detail click the link here to see the lifetime loan full breakdown. Or you can use the calculator below to calculate your maximum amount.

Reasons for taking out a lifetime loan

You can use the money you receive for whatever you wish, there are lots of different reasons, but we find these are some of the most common:

  • To do home improvements
  • To pursue further education
  • To refinance existing loans
  • To help those close to you


Spry Lifetime Loan Calculator