Additional Support

If you are worried about mortgage repayments, talk to us on 0818 330 044 and we can explain clearly what is happening and what you can do next.

Phone hours: 9:00 to 17:00 Monday to Friday and 9:00 to 13:00 Saturday

Care and help during difficult times

If you or someone you care for needs support.

Phone number: 0818 300 107
Phonelines are open Monday to Friday 9:00 to 17:00.

Make a complaint

Visit, call, or write to your local branch.

Phone number: 0818 330 044
Phonelines are open Monday to Friday 9:00 to 17:00.

Online form: complaint form

Address: EBS Arrears Support Unit, 10 Molesworth Street, Dublin 2, D02 R126

Mortgage Appeals Board

MARP booklet: Click here.

Email: email us

Address: Mortgage Appeals Officer, P.O. Box 11826, AIB Bank, 10 Molesworth Street, Dublin 2

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.

For Accountants

The following declaration must be completed and included with your invoice: Accountants Declaration.

I’m Looking for Independent Advice on Managing My Mortgage

Are you worried about your mortgage repayments? It’s okay - this is where you can find all the information you need if you are searching for Independent Advice on managing your mortgage through this difficult time. Sometimes you just need some useful contacts and free advice; and we know just where you can get it. So we’ve listed the best third party organisations that will give you the help you need to get back on track.

Have a browse through our independent information below.

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: 01 224 5800.

Citizens Information

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 0818 074 000 (9.30 - 17:00,  Monday-Friday) or visit citizensinformation.ie.

Department of Social Protection

The Department of Social Protection website (welfare.ie) provides information relating to Job seeker's Allowance, Supplementary Welfare Scheme and other welfare benefits for which you may be eligible.

Financial Services & Pensions Ombudsman

The Financial Services Ombudsman Bureau (fspo.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.

Lincoln House
Lincoln Place
Dublin 2

Call: 01 5677000 (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 01 764 4200 or text GETHELP to 50015.

Abhaile – Free Mortgage Arrears Support

Abhaile is a 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.

www.mabs.ie  Phone 0818 072 000.

Money Advice and Budgeting Service (MABS)

MABS provides free, confidential and independent advice to people in financial difficulty. MABS is the gateway to the Abhaile scheme (details below).

Phone number0818 072 000 (MABS National Helpline)
Monday to Friday, 9:00 to 20:00.

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.

Phone number: 1800 988 977

Banking & Payments Federation Ireland (BPFI)

The Banking & Payments Federation Ireland (BPFI) represents Ireland’s principal mortgage lenders. The BPFI has a useful website that aims to help people who are struggling to meet their mortgage repayments or other loan repayments. Visit Dealing With Debt - Banking & Payments Federation Ireland (bpfi.ie) for more details.

Office of the Revenue Commissioners

The Revenue Commissioners website (revenue.ie) provides information on all tax credits and benefits you may be entitled to.

Budgeting tips

We have some helpful budgeting steps to get you started

VIEW BUDGETING TIPS

Talk to us

If you think you will miss a repayment, call us

CALL US

Frequently Asked Questions

Frequently asked questions about mortgage repayments

Learn more