Customer Information

If you have a query relating to your Seniors Money Lifetime Loan you might find the answer at one of the following links:

FREQUENTLY ASKED QUESTIONS »
Answers to some of the most commonly asked questions relating to your lifetime loan can be found at these links.

If you have a variable rate loan with us, click here »

If you have a fixed rate loan with us, click here »

REPAYING A SENIORS MONEY LOAN »
Guidelines for dealing with the repayment of a Seniors Money Lifetime Loan.

VARIABLE RATE POLICY STATEMENT »
The policy we follow when deciding if the interest rate on a Seniors Money Lifetime Loan with a variable interest rate needs to be decreased or increased.

TAKING OUT A LARGER LOAN »
What you need to know if you are looking to borrow further form Seniors Money. This would require taking out a new, larger loan and repaying the old loan with part of the new loan proceeds.

EARLY REPAYMENT CHARGE »
A guide to how the Early Redemption Charge is calculated and the several exemptions from it. (Relevant to fixed rate loans only, no ERC applies to variable rate loans).

MORTGAGE ARREARS RESOLUTION PROCESS »
‘Arrears’ (where mortgage repayments are overdue on a home that the borrower continues to live in) do not generally arise with lifetime loans. However we are obliged to have a process for dealing with arrears.

Existing Customer Contact Details

If you don’t see the information you are looking for at one of the above links, please feel free to contact us. There are a number of ways to contact our Customer Care team:

Send an email quoting your SMI loan account number to customercare@seniorsmoney.ie or submit a message here »

We will get back to you as quickly as possible during our normal working hours.

Call: (01) 261 5400
Lines open: Monday to Friday 09:00 to 17:00

Write to us at the following address:

Customer Care,
Seniors Money,
P.O. Box 12998,
Dublin 24.

Legal Warnings and Notices

The following warnings and notices contain important information so please read them carefully.


For Lifetime Loans

WARNING: WHILE NO INTEREST IS PAYABLE DURING THE PERIOD OF THE MORTGAGE, THE INTEREST IS COMPOUNDED ON A MONTHLY BASIS AND IS PAYABLE IN FULL IN CIRCUMSTANCES SUCH AS DEATH, PERMANENT VACATION OF OR SALE OF THE PROPERTY.
WARNING: PURCHASING THIS PRODUCT MAY NEGATIVELY IMPACT ON YOUR ABILITY TO FUND FUTURE NEEDS.
WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT.

 

For variable rate Lifetime Loans

WARNING: THE COST OF YOUR MONTHLY REPAYMENTS MAY INCREASE.
THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.

 

For fixed rate Lifetime Loans

WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED-RATE LOAN EARLY.

 

If your lifetime loan is being used for debt consolidation purposes:

WARNING: THIS NEW LOAN MAY TAKE LONGER TO PAY OFF THAN YOUR PREVIOUS LOANS. THIS MEANS THAT YOU MAY PAY MORE THAN IF YOU PAID OVER A SHORTER TERM.