Independent advice on managing your mortgage

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Helpful advice during a difficult time

If you are worried about paying your mortgage there is independent advice available. Here is information about some of the independent organisations that can help you get back on track.

Additional Support

  • MABs specialise in helping people experiencing financial difficulty. They look at all areas of your finances to help you come up with the best solution.
  • With offices nationwide, MABS offer a free and confidential service covering all areas of personal finance. They can help you draw up a budget, renegotiate repayments with lenders and advise you on any benefits you may be entitled to. To contact MABS, phone their local number 0818 072 000 (Mon - Fri 9am - 8pm) or visit their website on is a website provided by the Citizens Information Board and the Money Advice and Budgeting Service (MABS). The site aims to provide comprehensive information on the services and entitlements available if you are having difficulties paying your rent or making your mortgage repayments.

  • offers independent information on public services and entitlements in Ireland. You can also contact Citizens Information by calling them on 0818 074 000.
  • If you have missed mortgage payments, Citizens Information even provide a dedicated Mortgage Arrears Information Helpline on 0818 074 000, Monday to Friday between 9.30am and 5pm.

MAIAS provide access to mortgage information through the website Borrowers can get specific financial advice, paid by their mortgage lender, from an independent accountant where a lender has proposed long term solutions for the borrower. See Panels of accountants - MABS for a list of participating Accountants.

  • Free, independent third-party advice is available from the Irish Mortgage Holders Organisation.
  • The IMHO will even provide you with a designated point of contact, who will help you complete the Standard Financial Statement. This is a key component in managing your situation. Your assistance will be provided over the phone, online or in person.
  • The IMHO will then submit on your behalf, the relevant information to the Haven arrears support unit in order to reach a sustainable solution. You can contact the IMHO by phone on 1800 988 977 online at or drop by in person.

The Banking & Payments Federation Ireland ( represents Ireland's principal mortgage lenders. The BPFI has a useful website that aims to help people who are struggling to meet their mortgage repayments or other loan repayments. Visit Dealing With Debt - Banking & Payments Federation Ireland ( for more details. 

The Competition and Consumer Protection Commission is the statutory body for Consumer help. Why not visit their website and the section entitled “Your Money” and “Tools & Calculators

Other Useful bodies include:

Insolvency Service of Ireland and

Department of Social & Family Affairs 
Call: 01 704 3860

Free Legal Advice Centres

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