Green Lifetime Mortgage

The Green Lifetime Mortgage could help you live a greener life

We’ve always been here to help you live a greater life in later life. Now we’re here to help you live a greener life in later life and we are trying to make it simple and easy for you to be green. The new Green Lifetime Mortgage mirrors all the features of the standard Lifetime Mortgage with the added benefits of a reduced interest rate of 6.75% and a reduced set-up fee of €1,350.

3 options for qualification for a Green Lifetime Mortgage

Helping to make it easier to be green

If you have an existing Building Energy Rating (BER) of B or higher (or B3 or higher under the previous BER scale) and can provide a BER certificate with your Lifetime Mortgage application;
If you intend using your Lifetime Mortgage to fund energy efficient home improvements to achieve a B rating or higher under the applicable BER scale within 12 months of drawing down your loan; and/or
If you intend using more than 50% of your Lifetime Mortgage for qualifying home improvements within 12 months of drawing down your loan

From May 2026, BER ratings have been simplified to a scale of AO-G, replacing sub-ratings such as B1, B2 and B3. Existing BER certificates remain valid until the end of their term.

You may be required to provide a copy of your home’s BER Certificate and/or invoices evidencing home improvements completed within 12 months of drawing down the loan.

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List of Qualifying Home Improvements

Where you intend using 50% or more of your Lifetime Mortgage towards qualifying home improvements, work being undertaken must include one or more of the below to qualify for a Green Lifetime Mortgage

Qualifying Home Improvements

Wall attic and floor insulation	Window and door upgrades or replacements	Ventilation systems
Renewable energy systems, heat pump, solar panels	Sustainable water / heating systems	Boiler upgrades and pipe insulation
Insulation of energy efficient controls	Deep retrofit (e.g. SEAI Deep Retrofit Grant)

Where a BER certificate number is provided by you, Seniors Money/Spry Finance may use it to validate your BER rating with the Sustainable Energy Authority Ireland national BER register.
Where you are unable to evidence qualifying works completed, Seniors Money reserves the right to apply our standard fixed rate to your Lifetime Mortgage.

For details of grants available under the National Home Energy Upgrade Scheme please visit Sustainable Energy Authority of Ireland’s website at www.seai.ie or email [email protected]

Additional Benefits

Spry Green Loan

Funds utilised for home improvement projects should, in turn, have a positive effect on the future market value of your property, further benefitting you
Government grants are available to help offset some of the cost of certain qualifying improvement works
Increased energy efficiency should lead to lower monthly energy bills for you

Find out More

If you want to take things further with a Green Lifetime Mortgage, we will work with you to build a clear picture of your own personal needs and whether or not a Green Lifetime Mortgage is suitable for you.

We will guide you through the process, telling you exactly how it all works. The first step is to get in touch with us.

New Green Loan Enquiry