For qualified later-life lending brokers
Releasing value from a house without leaving it.
A lifetime mortgage lets an owner aged 55 or over draw capital against their home with no compulsory monthly repayment, the loan and interest being settled when the property is sold. It is a serious decision with long consequences, which is why it is only available through a qualified broker.
Dingle Peninsula, Co. Kerry · Maoileann, CC BY-SA 4.0
5 products
The home finance range
Each product page sets out who it is for, what it does, and the facts a broker needs before recommending it.
Lifetime mortgage
Advantage Options
A lifetime mortgage with a lower fixed rate in exchange for a shorter early repayment window and a tighter loan-to-value, for owners who are confident the plan is permanent.
Read moreLifetime mortgage
Capital Select Options
A drawdown lifetime mortgage: an approved facility from which the client takes cash only when it is needed, so interest accrues on drawn funds only.
Read moreLifetime mortgage
Lifestyle Select Options
The highest release available in the range, using medical and lifestyle underwriting so that clients in poorer health can borrow more against the same property.
Read moreLifetime mortgage
Second Home Options
A lifetime mortgage secured on a holiday home or second property rather than the main residence, for owners who want to release value without touching the family home.
Read moreLater-life lending
Over 55 Buy-to-Let Option
Interest-only lending against a let residential property for landlords over 55, assessed on rental cover rather than on earned income.
Read moreWho to talk to
Arranged through your broker
For qualified later-life lending brokers. We do not sell direct: the intermediary keeps the client relationship and we underwrite behind it. Everything on this page is issued by an undertaking authorised by the Central Bank of Ireland.
Elsewhere
Other ranges
Investments
Onshore and international accounts, insured funds and open architecture.
Guarantees & surety
Bonds and guarantees issued on our own paper, in credit and suretyship.
Retirement
Annuities, scheme pensions, fixed-term income and drawdown.
Estate planning
Trusts, whole of life cover and professional trustee services.
Workplace protection
Group life, income protection, critical illness and employee support.