I can't clear the arrears or I am worried about making repayments
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.
Our four step Mortgage Arrears Resolution Process
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 our commitment under the Central Bank of Ireland Code of Conduct on Mortgage Arrears (CCMA).
Talk to Us – We are here to listen
The earlier you contact us the sooner we can work together to find ways to improve your situation.
Financial Information - Get a clear picture of your financial situation
Next, you need to fill out a form called a Standard Financial Statement (SFS) and send us any other documents we ask for.
Assessment – Assess your financial situation
When we receive your SFS and all supporting documents, we will start to assess your situation.
Resolution – Working with you to find a resolution
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.
Money Advice and Budgeting Service (MABS)
MABS provides free, confidential, and independent advice to people in financial difficulty. For more information visit mabs.ie. You can also call the MABS National Helpline on 0818 072 000, Monday to Friday 9:00 to 20:00.
Before proceeding please read our Site Use Terms and Conditions, Privacy & Cookie statements which apply to your use of this website. AIB and AIB Group are registered business names of Allied Irish Banks, p.l.c. Registered Office: 10 Molesworth Street, Dublin 2.
