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Mortgage Arrears Resolution Process (MARP) Overview

permanent tsb has a Mortgage Arrears Resolution Process (MARP) in place to help Home Loan customers who are experiencing difficulties in making their mortgage repayments now, or who may have difficulties making their mortgage repayments in the future.
permanent tsb has put in place a MARP framework for dealing with each of the following types of borrowers - those in mortgage arrears, those in pre-arrears and those who fall under the MARP.

Read our helpful guide on permanent tsb‘s Mortgage Arrears Resolution Process (pdf, 283KB).

permanent tsb has dedicated Mortgage Consultants in every branch who will be pleased to talk you through your alternative repayment arrangement. Alternatively, you can contact us directly by phone. Our Useful Contacts  section can help you find out who to call if you need help and advice with your mortgage repayments.

Step One: Communication – Talk to us

If you are having trouble meeting your mortgage repayments or are worried that you may have trouble in the future, please get in touch.

We have a dedicated team available to take your call on on 1800 855 010 or 021 601 3700.

Opening hours:

  • Monday to Friday, 9am to 8pm (excluding bank holidays)
  • Saturdays 9am to 1pm.

Call in to any permanent tsb branch. We have a team of trained staff at all of our branches that will help you if you feel you may have difficulties repaying your mortgage. We are here to help. 

We have a dedicated Mortgage Arrears section on our website with useful information for customers experiencing difficulties repaying their mortgage.

Step Two: Financial information

You will need to complete and sign the Standard Financial Statement (SFS) (xls, 792KB), which will give us a clear picture of your current financial situation.

You can do this in your local permanent tsb branch with the help of one of our mortgage consultants. Or, you can call us on 1890 66 44 33 or 021 601 3801 and we will post an SFS to you.

Step Three: Assessment

We have an Arrears Support Unit (ASU) with a team of dedicated professionals who will assess your SFS and supporting documentation.
We will take the following factors into consideration when assessing your situation:

  • Your income and expenditure, including any extra income available to repay your mortgage.
  • Your overall level of debt and repayment history.
  • Your financial outlook and any possible changes that may affect your ability to meet your mortgage repayments. 
Step Four: Resolution

When reviewing your mortgage with you, we will consider  a number of alternative repayment arrangements. The availability of the arrangements will depend on your individual circumstances and our assessment of your SFS.

We may offer you a short-term arrangement if you are experiencing temporary, short-term difficulty (usually 6 to 12 months) in making your repayments. 

We may offer you a long-term arrangement if a short-term arrangement won’t be enough to address the arrears on your mortgage.

Where we are unable to agree an alternative repayment arrangement with you, and depending on your individual circumstances, there are  other options that may be available to you. The availability of any one of these options depends on an individual assessment of your case and meeting appropriate qualifying conditions (ours or a third party’s).

How we can help you Make a payment to your mortgage account
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