If you are worried about your mortgage repayments or have already missed your repayments, your next step is to fill out a Standard Financial Statement as part of our Mortgage Arrears Resolutions Process (MARP).
We can’t ignore the fact that you may have missed repayments, but we can help you get a realistic picture of your financial situation and the solutions available to you.
We have a four-step process known as the Mortgage Arrears Resolution Process (MARP). MARP will help you deal with missed repayments on your mortgage. MARP will also help you if you are not yet in arrears but you are worried about missing your mortgage repayments in the future.
This process is part of the Central Bank of Ireland's mortgage arrears requirements for your primary residence as set out in the Consumer Protection Code 2025 (CPC 2025) previously the Code of Conduct on Mortgage Arrears.
You can get more information about this change in our CPC information leaflet (PDF, 2 pages, 159KB).
The earlier you make contact with us the sooner we can work together to find ways to improve you situation.
To make a repayment or talk to our team. CALL 0818 280 280
Next, you need to fill out a form called a Standard Financial Statement (SFS) and send us any other documentation we ask for. Start your SFS here.
When we receive your SFS and supporting documents, we will start to assess your situation. Frequently Asked Questions
Depending on your circumstances, one of our alternative repayment arrangements options may be appropriate for you. This could prevent your mortgage from falling into arrears or further into arrears. Read more about alternative repayment arrangements.
MABS provides free, confidential and independent advice to people in debt or at risk of getting into debt. For more information visit the MABS website. You can also call the MABS National Helpline on 0818 072 000, Monday to Friday, 9:00 to 20:00.
