Equity Release
Release Cash from Your Home — Without Selling
If you're 60 or over and own your home, equity release lets you unlock the cash value built up in your property. Compare lifetime loans and home reversion schemes from regulated Irish providers.
Equity release is a significant financial decision. Always take independent legal and financial advice before proceeding.
Types of Equity Release
Lifetime Loan
Most PopularBorrow a lump sum against your home. No monthly repayments — interest rolls up and is repaid when you sell or pass away. You keep full ownership.
Home Reversion
Less CommonSell a percentage of your home to a provider in return for a lump sum or regular income. You stay in the home rent-free for life.
Drawdown Facility
FlexibleSimilar to a lifetime loan but you draw funds as needed rather than taking the full amount upfront. Interest only accrues on amounts drawn.
Equity Release Providers in Ireland
OneClickGo lists providers for information purposes only. We do not provide financial advice. Always consult a regulated financial adviser.
⚠️ Key Things to Consider
- •Interest compounds over time — the total owed can grow significantly
- •It may affect your entitlement to means-tested benefits
- •It will reduce the inheritance you leave to your family
- •Always get independent legal advice from a solicitor before signing
- •Your solicitor must confirm you received independent legal advice
- •You have a 14-day cooling off period after signing
Speak to a specialist mortgage broker
A regulated broker can compare all equity release products available to you and advise on the most suitable option.
Frequently Asked Questions
What is equity release in Ireland?
Equity release lets homeowners aged 60+ access the cash value tied up in their home without having to sell or move out. The two main types in Ireland are lifetime loans (where interest rolls up until the property is sold) and home reversion schemes (where you sell a share of your home in return for a lump sum or income).
What is Spry Finance?
Spry Finance is one of Ireland's leading equity release providers, offering lifetime mortgage products to homeowners aged 60 and over. Their products allow borrowers to access tax-free cash while retaining full ownership of their home. Interest accrues and is repaid when the property is sold.
How much can I release from my home?
The amount you can release depends on your age and property value. Typically you can release 15%–40% of your property's value. The older you are, the higher the percentage you can access. Providers always ensure you retain a guaranteed share of the property value.
Is equity release regulated in Ireland?
Yes. All equity release providers and intermediaries in Ireland must be regulated by the Central Bank of Ireland. You should always seek independent financial advice before proceeding with any equity release product.