Revealed: Why more Irish homeowners are unlocking their pensions early (2)

JUNE 2025

Hi ,

Last week, we told you we’d be digging into one of the biggest financial questions facing over-50s in Ireland:

“Should I keep my pension invested — or use it to pay off my mortgage?”

That guide is now live — and it’s already one of the most-read articles on our site.

It breaks down the real pros and cons of each approach, including:

✅ When it makes sense to clear your mortgage early
✅ The opportunity cost of cashing in your pension
✅ Tax implications of taking money out
✅ Why more Irish homeowners are unlocking old pensions at age 50

If you’re over 50 and have a pension from a previous job, this is worth a few minutes of your time.

Want to talk it through with a pension expert? You can request a free, confidential assessment below:

To your future,
The National Pension Helpline Team
Impartial. Confidential. Trusted.