image description

Where to get Information on Mortgage Difficulties

Mainstream banks and building societies remain fully committed to working constructively with their customers who are experiencing genuine difficulty with their mortgage repayments. The importance of early engagement is reflected in the four key action steps as follows that a borrower is advised to take:

  • Contact your mortgage lender as soon as possible if you’re having trouble with your mortgage repayments or you are concerned that this might be likely to happen
  • Look at your financial situation to make sure that you’re maximising your income and draw up a budget based on your most important spending commitments
  • Respond to letters or phone calls from your mortgage lender or their legal representative
  • If you are genuinely unable to make your mortgage repayments, ask your mortgage lender to explore with you one or more of the options available under the statutory Code of Conduct on Mortgage Arrears
  • If you are experiencing difficulties meeting your mortgage or other debt repayments you should contact your mortgage lender and seek free and independent advice.  There are a number of organisations that provide independent advice free-of-charge.

StepChange Debt Charity

StepChange Debt Charity Ireland offers free and independent debt advice tailored to your situation. They can help you to prepare a Standard Financial Statement and recommend the best way forward for you to deal with your debts or mortgage arrears. Their free helpline is available Monday to Friday from 9am until 5pm, or visit their website

StepChange Freephone number: 1800 937 435.


If you need advice and assistance to deal with mortgage arrears or other debt, you can contact the State’s Money Advice and Budgeting Service (MABS). The MABS service is a free, independent, confidential and nonjudgemental service which is provided by skilled and experienced advisors for people who are in debt or at risk of getting into debt.

The MABS Helpline, 0761 07 2000, is open Monday to Friday, 9am to 8pm. The MABS face-to-face service is available in over 60 locations nationwide – see to find your nearest MABS office.

Insolvency Service of Ireland

The Insolvency Service of Ireland (ISI) is an independent, Government organisation set up to help sort out your personal debt problems and to get you back on track. If you owe money and cannot afford to repay it, one of the following options may be open to you:

Debt Relief Notice

You may apply for this through MABs or another approved body. If you have unsecured debts below €35,000, a low income and few assets – this gives you freedom from your debts normally after three years.

Debt Settlement Arrangement

You may apply for this through a Personal Insolvency Practitioner (PIP) – your outstanding unsecured debts are written off over a period of time, normally up to 5 years.

Personal Insolvency Arrangement

You may apply for this through a Personal Insolvency Practitioner (PIP). This allows you to settle and/ or restructure your secured and unsecured debts over a period of time, normally up to 6 years. (A mortgage is a typical example of a secured debt.)


You may apply to the High Court to be declared bankrupt.

Visit for further information.


Abhaile is a service to help homeowners find a resolution to their home mortgage arrears. It provides vouchers for free financial and legal advice and help from experts, which are available through MABS.

The aim of Abhaile is to help mortgage holders in arrears to find the best solutions and to keep them, wherever possible, in their own homes. A dedicated adviser will work with you and your lender to find the best solution for your situation.

Contact: 0761 07 2000 (Monday – Friday 9am – 8pm)


Citizens Information Service

The Citizens Information Board is the statutory body which supports the provision of information, advice and advocacy on a broad range of public and social services. You can get information and advice face-to-face at your local Citizens Information Centre by phone through the Citizens Information Phone Service on 1890 777 121, or by clicking here to access the Citizens Information website.

The Citizens Information Board and MABS recently launched the website, which aims to provide comprehensive information to anyone who faces losing their home because of mortgage repayment or rent payment difficulties.


Free Legal Aid Centres (FLAC) is an independent charity that campaigns on legal issues. It provides an information and referral line (1890 350 250) and organises evening Legal Advice Centres throughout Ireland in conjunction with the Citizens Information Board. Click here to access the FLAC website.

Competition and Consumer Protection Commission

The Competition and Consumer Protection Commission’s personal finance information website provides information and advice on a range of financial issues including managing your money, tackling debt and repossession and making a complaint. Access the Competition and Consumer Protection Commission website.