An comfort loan secured by your property
Amount €100k – €1.5M
APR from 6.75%
Secured on your residential property
The Lifetime Mortgage in figures
Enjoy your retirement?
The Lifetime Mortgage is an attractive option for property owners over 60 who want to enjoy life.
This loan gives you a comfortable cash reserve to fund many projects, with no monthly payments during your lifetime. It is usually repaid from the estate through the sale of the property.
Cash
Invest
Major renovation
Tax debt
Equalisation payment
Gifts
Comfort
Deposit
Bridging
A loan with no monthly payments
If you need a comfortable cash reserve to live better, carry out works or even get an advance on a sale, the Lifetime Mortgage is an attractive solution for a senior who does not intend to bequeath their property.
Large amounts:
from €100k to €1.5M
Depending on the value and location of your property, you could borrow between 20% and 50% of its value.
With no monthly payments, interest is rolled up and the loan is usually repaid from the estate: through the sale of the property or by the heirs. Early repayment is possible.
Primary, secondary or rental homes are eligible
Available for residential property only (primary, secondary or rental homes), mainly in urban areas. The minimum value per property is €300k.
Instant eligibility and personal support
Press the ‘Get started’ button to test your eligibility instantly, then book a meeting with our team to discuss your project and get support with its financing.
Who can benefit from the Lifetime Mortgage?
You must meet several conditions to be eligible:
You are an owner
You are a senior
You are a tax resident
Generate additional income through wealth leverage
Do you have questions?
Refinancing rates are always slightly higher than your high-street bank's and vary with the need and the borrower. As a guide, as at 9 November 2026, an equity release loan starts from 4% for an individual and from 4.2% for a family holding company; the wealth loan and the security trust from 4.5%, property leasing from 5%.
Yes. As with a traditional loan, you must be able to meet your monthly repayments.
Yes. We work with all types of family holding companies (SCI, SARL, holding companies), trading companies and property professionals.
An equity release loan is secured by a mortgage registered with a notary on the property. A mortgage is an alternative to other guarantees such as a personal guarantee or a pledge. The guarantee always plays a supporting role and never removes the need to be solvent to repay the loan.
Once the bank file is complete, allow 5 to 7 weeks until the funds are released by the notary.
