MARP Frequently Asked Questions

The Standard Financial Statement or SFS helps you to get clarity on your current financial situation. After you complete it, we will use the information provided by you in the SFS to understand your individual situation and assess your information as part of the Mortgage Arrears Resolution Process (MARP).

We will consider:

• Household income – your salary/wages, benefits or other income.
• Household expenditure – your essential weekly or monthly costs such as groceries, electricity, gas, childcare costs, mobile phone costs, TV & broadband, costs associated with running a car, insurances etc.
• Your overall personal debt – any mortgage or loan repayments you may have.
• Your current ability to make repayments.
• Your previous repayment history.
• Any other relevant personal information.

The Reasonable Living Expenses Guidelines published by the Insolvency Service of Ireland may be used by you as a guideline to complete specific sections of the SFS document Back on Track

Once you submit the completed SFS and any other relevant documents, we will have a clear picture of your financial situation and can offer you an alternative repayment arrangement that suits you or other option.

If you are worried about your mortgage repayments, it is important that you complete and send us your SFS and documents we asked for as quickly as possible.

To support you while you fill out your SFS and we complete our assessment, a temporary arrangement to reduce your repayments may be available to you. Call us to speak to us about a temporary arrangement on 0818 251 008.

Yes. You need to send us all the supporting documents that are outlined on the SFS such as proof of income and bank account statements. These help us to understand your financial situation.

Without the documents we asked for, we won’t be able to process your application.

Documents needed to support your SFS

You can attach all the documents with the SFS online using our secure portal Docusign. If you don’t know how to send us the documents, please call us on 0818 251 008 and we are happy to help you.

When we receive your SFS and the documents we asked for, we will start to assess your situation. We will contact you if we need any other information from you to understand your financial situation.

In that situation, we will tell you what we need, and you can send them to us quickly online or by post, but this usually takes longer.

After we have assessed your SFS and other documents, we will contact you to discuss the outcome.

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 here for some of the independent support services that can give you advice or read more about mabs. Alternatively, you can contact your own solicitor.

If you’re not able to make your mortgage repayment you’re still going to have to 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 251 008.

If you have not already sent us an up-to-date Standard Financial Statement (SFS) you should do it as soon as possible. We can try to solve your mortgage problem once we have your SFS and any other documents we asked 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 44 minutes to get it done.

If you’d like help with the SFS, just call us. You can book an appointment by calling 0818 251 008.

If you are unhappy with a decision we made under the MARP, you can appeal to our appeals board if:

• we offer you an alternative repayment arrangement which you have declined and we inform you in writing of other possible options that you may want to consider.

• we didn’t offer you an alternative repayment arrangement.

• we considered you as not cooperating with us to find a resolution. 

The Appeals Board has three of our senior people who have not been involved in your case previously. If you want to appeal, write to us within 20 business days of receiving a letter from us in relation to one of the above scenarios, explaining the reason for the appeal, to: Mortgage Appeals Officer, P.O. Box 11826, AIB Bank, 10 Molesworth Street, Dublin 2, or you can email us to mortgage.appeals@aib.ie.

More details on the mortgage arrears process (PDF).