Worried about Repayments – FAQ

Please call us immediately with a debit card to make a repayment. We have a range of options helping you make your repayments. If you are finding it hard to pay your mortgage, please call You should call one of our experts immediately on 0818 280 280 or +353 1 665 8082.

A secured mortgage is where money is borrowed against your home. So if you miss repayments on your mortgage then your home could be at risk. We will work with you through the Mortgage Arrears Resolution Process (MARP) process to prevent or avoid this happening.

Your mortgage is a long-term loan to buy a property, like your home. So, if you miss repayments on your mortgage then your home could be at risk.  

Please talk to the providers of your other loan repayments with a view to prioritising your mortgage repayments.

If you have missed any repayments you may have trouble getting another loan in future. When you miss repayments on your loan we report this to the Central Credit Register (CCR). They hold information about you and your loans on an individual credit report. If you apply for another loan, the lender will use the CCR report to assess your application.

You can make a repayment by calling us on 0818 280 280 or +353 1 665 8082 is normally the quickest and easiest way to make repayments, or by sending a cheque or bank draft.

If you have missed a repayment we can assess your circumstances and find an arrangement that suits your needs. In some cases, there is an arrangement for customers with small arrears to make extra repayments on top of their normal monthly repayments. This is called the Capital Interest Plus Arrangement (CIPA). This means you would pay your normal monthly repayment plus an extra amount agreed with us.

We cannot take payment from a credit card. You can pay over the phone by using a debit card.

We send letters and statements about your mortgage to the address you gave us for the mortgage account. If you want us to also send these to a different address, we can arrange that for you.

We will need to confirm that address first for security reasons. Please contact us on 0818 280 280 or +353 1 665 8082 and we can tell you what information we need to confirm your address.

When you call us, we will ask you a few questions to make sure you are the authorised account holder. After that one of our experts will take up your enquiry and ask you any questions we need to make sure we get it right. After that we will talk through the next steps with you.

You can request in writing if you want to have an authorised person talk to us about your mortgage. This request needs to be signed by all loan account holders. We can’t talk to anyone other than the authorised person about your account. This third party advisor is most often a financial advisor. You can call us on  0818 280 280 to discuss further.

Now is the time to make a plan.

If you have received a letter from our solicitor, it’s clear that your mortgage problem has become very serious.

We understand that sometimes legal language can be quite technical, so it may help to contact people who can offer advice and support. Have a look at some of the independent support services that can give you advice or read more on the MABs website. Alternatively, you can contact your own solicitor. If you’re not able to make your mortgage repayment you can do something to solve this problem.

If you call us, we will explain clearly what is happening and what you can do next. Our number is 0818 280 280.

If you have not already sent us an up-to-date Standard Financial Statement (SFS) please do it as soon as possible. We can only work out which arrangement we can offer you to solve your mortgage problem once we have your SFS and any other documents we ask you for. 

A lot of customers told us that the form is quite long, so we have people ready to help you. When you call us we can help you through every step of the form. It takes on average just 44 minutes to fill out the SFS.

If you’d like help with the SFS, just call us. You can book an appointment by calling  0818 280 280.

• Talk to us on 0818 280 280; or
• Write to us at Haven ASU, 10 Molesworth Street, Dublin 2, D02 R126.