The following information applies to you if (a) your mortgaged residential property is the one in which you reside or (b) your mortgaged residential property is the only one that you own in the Republic of Ireland. If none of the above applies to you, please click here to find out how we may be able to help you.
Our commitment to you is this: we will work with you to find a way to help you manage your cash flow so that you can meet your financial commitments. So if you have fallen behind with your repayments, or if you are worried that you might do, talk to us before a small problem becomes a big one. We will work with you to make things better.
Download our Mortgage Arrears Resolution Process (MARP) guide (pdf, 164 KB), which sets out details of our ‘Mortgage Arrears Resolution Process’. It outlines the steps we take to help customers who are experiencing difficulties, or customers who fear they may encounter difficulties, in making their monthly repayments.
We can not and would not forgive arrears or loan balances; however, we can help you to deal with financial challenges in a way that makes sense for all.
We want to do everything we can to help customers who are facing mortgage arrears. As part of the Mortgage Arrears Resolution Process, we have a number of Alternative Repayment Arrangements that may be suitable for you depending on your individual circumstance. Please click here to find out more information on the alternative repayment options that may be offered to you and what options are available to you where we are unable to agree an alternative repayment arrangement with you.
If you do not engage with us or co-operate with the Mortgage Arrears Resolution Process you may be deemed as not co-operating. Some of the consequences of being classified as not co-operating include losing the protection given under the MARP and the Bank may take legal action against you. If the Bank begins legal action, you face the possibility of losing your home. Your home may be repossessed. Any costs relating to legal action are payable by you and will be billed to your mortgage account. If your property is repossessed or sold voluntarily and the proceeds from the sale do not cover your mortgage account loan in full, you will remain liable for the remaining balance.
We have dedicated Mortgage Consultants in every branch who will be pleased to talk you through your options. Alternatively you can call us directly on 1800 855 010 or +353 21 601 3800 - lines are open Monday to Friday 9am - 8pm (excluding bank holidays) and Saturdays 9am - 1pm.
The documents below apply to you if (a) your mortgaged residential property is the one in which you reside or (b) your mortgaged residential property is the only one that you own in the Republic of Ireland