Other Support Available to You
The Central Bank
The Central Bank's website (centralbank.ie) provides independent information on financial products and includes a consumer guide to dealing with your lender on the Code of Conduct on Mortgage Arrears.
Call: 1890 777 777.
The Citizens Information Board is the statutory body which supports the provision of information, advice and advocacy on a broad range of public and social services including health, employment, social welfare and money.
You can call the Citizens Information dedicated Mortgage Arrears Information help line on 0761 07 4050 (9.30am - 5pm, Mon-Fri) or visit citizensinformation.ie.
Department of Social Protection
The Department of Social Protection website (welfare.ie) provides information relating to job seekers allowance, mortgage interest supplement* and other welfare benefits for which you may be eligible.
*Mortgage Interest Supplement provides short term support to help you make mortgage interest repayments. To see if you qualify, you should contact the Community Welfare Officer at your local Health Centre who will advise you how to submit a claim. You are required to submit certain information, such as a copy of the original loan documentation with your claim. The necessary documentation can be requested by contacting your AIB branch.
Financial Services Ombudsman Bureau
The Financial Services Ombudsman Bureau (financialombudsman.ie) offers a free service to personal customers of financial institutions, dealing independently with unresolved complaints about their individual dealings with their financial service providers.
3rd Floor Lincoln House
Call: 1890 88 20 90 (lo call)
The Insolvency Service of Ireland
The ISI is an independent government organisation with a range of solutions to problem debt – including mortgage arrears. It has a regulated network of qualified professionals that can help you get back on track.
www.backontrack.ie phone 0761064200 or text GETHELP to 50015.
Abhaile – Free Mortgage Arrears Support
Abhaile is a new State-funded service to help homeowners find a resolution to home mortgage arrears. It provides vouchers for free financial and legal advice and help from experts, which are available through MABS. A dedicated adviser will work with you and your lender to find the best solution for your situation. You can find further information here or at the URL below.
www.mabs.ie Phone 0761 07 2000
Money Advice and Budgeting Service (MABS)
MABS (mabs.ie) offers free and confidential independent advice and assistance with managing your finances.
Call: 1890 28 34 38
Stepchange Debt Charity Ireland
Stepchange Debt Charity Ireland (www.stepchangedebtcharity.ie) is a free and independent telephone advice service for people who are struggling with debt or mortgage payments. They will review your financial circumstances and recommend the best way for you to deal with your debts. Their Freephone helpline number is 1800 937 435. The line is available Monday to Friday from 9am until 5pm, and is free to call from landlines and mobiles.
Irish Mortgage Holders Organisation (IMHO)
The Irish Mortgage Holders Organisation (IMHO) will provide free and independent professional advice if you are having difficulty meeting your mortgage repayments. Telephone 1890 988 977.
Visit keepingyourhome.ie - a website jointly published by the Citizens Information Board and the Money Advice and Budgeting Services (MABS). This site provides comprehensive information on the services and entitlements available to mortgage borrowers who may be experiencing difficulties making mortgage repayments.
Banking & Payments Federation Ireland (BPFI)
The Banking & Payments Federation Ireland represents Ireland's principal mortgage lenders. In conjunction with the BPFI AIB has prepared a support guide 'Important Information to help people in mortgages arrears'.
Office of the Revenue Commissioners
The Revenue Commissioners website (revenue.ie) provides information on all tax credits and benefits you may be entitled to.
Mortgage Arrears Information & Advice Services (MAIAS)
MAIAS provide access to mortgage information through the website www.keepingyourhome.ie Via MAIAS borrowers can avail of specific financial advice, at the cost of their mortgage lender, from an independent accountant where they have been presented by their lender with proposals for long term solutions. See keepingyourhome.ie for a list of participating Accountants.
For Accountants - The following declaration must be completed and included with your invoice:
Central Credit Register
The Central Credit Register (the Register) is a centralised system that collects and securely stores information about loans. It is managed by the Central Bank of Ireland under the Credit Reporting Act 2013.