Welcome to the Irish Mortgage Holders Organisation!
Monday 27th January 2020
If debt is causing you stress; the good news is, you don’t have to manage on your own. We are the only not for profit organisation in Ireland to offer all options of debt solution; including informal arrangements, insolvency arrangements and a free bankruptcy service. Last year we arranged solutions for over 2,500 people in difficulty
lo call 1890 623 624

Dealing with your Bank

Code of Conduct on Mortgage Arrears 2013

The Code sets out how mortgage lenders must treat borrowers in or facing mortgage arrears, with due regard to the fact that each case of mortgage arrears is unique and needs to be considered on its own merits. This Code sets out the framework that lenders must use when dealing with borrowers in mortgage arrears or in pre-arrears. All such cases must be handled sympathetically and positively by the lender, with the objective at all times of assisting the borrower to meet his/her mortgage obligations.

Approach to Mortgage Arrears Resolution

The Central Bank of Ireland (the “Central Bank”) is publishing its framework for setting performance targets for mortgage arrears resolution for the following Irish mortgage credit institutions: ACC Bank plc, Allied Irish Bank plc (including AIB Mortgage Bank, EBS Limited and EBS Mortgage Finance), The Governor and Company of the Bank of Ireland (including Bank of Ireland Mortgage Bank and ICS Building Society), KBC Bank Ireland plc, Permanent Tsb plc and Ulster Bank Ireland Limited (the “Specified Credit Institutions”) with respect to their Republic of Ireland principal dwelling home / primary residence (‘PDH’) and buy-to-let (‘BTL’) mortgagees.

Central Bank Guide to Completing a Standard Financial Statement

The purpose of this guide is to assist you with the completion of the Standard Financial Statement (‘SFS’) which your lender must use to obtain financial information from you under the Mortgage Arrears Resolution Process (‘MARP’) framework set out in the Code of Conduct on Mortgage Arrears (‘CCMA’). The SFS will be used by your lender when assessing your case to decide whether or not to offer you an alternative repayment arrangement and what type of arrangement is appropriate to your circumstances.

MABS Information for Creditors and Debt Collection Agencies

The Money Advice and Budgeting Service (MABS) is Free, Independent, Confidential, Non-judgmental. MABS provides advice to people who are having difficulties with managing their money or are in debt.

MABS Guide to Mental Health and Financial Stress

These difficult economic times can affect more than our wallets. They can also affect our health, which is our most precious asset. We need to protect our mental health and well-being as well as our physical health.

Guide to Personal Insolvency Bill

The development of modern insolvency law is in line with the commitments in the Programme for Government and the EU/IMF Programme of Financial Support for Ireland. This is a very significant Bill providing for a comprehensive reform of insolvency law. It provides new and more flexible options to address the circumstances of insolvent debtors.

High Court Ruling - November 12th 2012 : GE Capital Woodchester Home Loans vs Reade

High court ruling on November 12th relating to an important point about the definition of a letter of demand.
© 2018 Irish Mortgage Holders Organisation

mortgageholders.ie is a trading name of Irish Mortgage Holders Organisation Limited.
Registered office 4th Floor Ocean House, Arran Quay, Dublin 7, D07DHT3
Registered in Ireland, Company number 517549.

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