Spry Lifestyle Hub
Existing Customers

Sitemap

About Us
How it works
Think it Through
Our Products
Contact

Sitemap

Home
About Us
- Team
- Spry Finance and Seniors Money
- EPPARG & ERC Membership
- EPPARG Global Survey
- Reports
- Sustainability
- News & Insights
Living with the loan
- Existing customers contact details
- Account Statements
- Annual Questionnaire
- Personal Representatives
- Property Maintenance
- FAQs
How it works
- Eligibility Criteria
- Equity Release
- How much can be borrowed?
- Interest
- Switching to a Lifetime Mortgage
- Optional Repayments
- Fees and Costs
- The Process
- Early Repayment Charges
- Residents in the home
- Borrowing more
- No Negative Equity Guarantee
- Repayment Events
Later Life, Greater Life
- Sponsorship of Active Retirement Ireland
- The Age-Friendly University
- The Guinness Choir
- Home and Community Care Ireland (HCCI)
Think it Through
- Customer Case Studies
- Your Needs and Options
- How much to borrow
- How much will be left?
- Equity Release Calculator
- Talking it over
- Myth Busting Series
- Customer Reviews
- Spry Videos
Our Products
- Standard Lifetime Mortgage
- Payment Reward Lifetime Mortgage
- Green Lifetime Mortgage
- Guaranteed Inheritance Lifetime Mortgage
- Green Guaranteed Inheritance Lifetime Mortgage
- Second Home Lifetime Loan
- Buy-to-Let Lifetime Loan
Careers at Spry Finance
Contact
- New Loan Enquiry
Feedback / Complaints
The Spry Lifestyle Hub
Warnings
Spry Legal Warnings
Search
Terms
Terms of Business
Fees & Charges
Privacy Statement
Accessibility
Sitemap
Cookie Policy

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

Home
About Us
Standard Lifetime Mortgage
Think it Through
Living with the loan
The Process
Contact
Careers

New Loan Enquiry

New Loan Enquiry

We are here to guide you through the process, telling you exactly how it works.

[email protected] (01) 5822 580

Terms
Terms of Business
Fees & Charges
Privacy
Cookies
Accessibility
Legal Warnings
Sitemap

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

Loan Calculator New Loan Enquiry

Manage Cookie Consent

We use cookies to optimise our website and our service.

Functional Functional Always active

The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.

Preferences Preferences

The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.

Statistics Statistics

The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.

Marketing Marketing

The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.

Manage options
Manage services
Manage {vendor_count} vendors
Read more about these purposes

View preferences

{title}
{title}
{title}