Judgement Mortgage Advice

Judgment mortgage advice in Ireland helps owners who have a judgment mortgage registered on their folio. We tell you your options to remove or settle it. A judgment mortgage on your folio is a major problem for a sale, mortgage or refinance.

You can upload your folio, deeds, contract, photos or other documents through our secure link; a solicitor would then typically review everything before preparing advice. There is no hourly billing: the price is fixed for the service described. Property and land issues are usually easier and cheaper to resolve early, before a sale, mortgage or family transfer is held up. The advice is based on Irish law and practice and on the documents you provide, so the more complete your documents, the more precise the advice can be. If the advice shows that further work is needed, such as correspondence, a Land Registry application or a planning or court process, a solicitor would explain the options and any further cost before anything else is done.

What’s included

• Folio review
• Judgment intake
• Options view
• Recommended approach
• 30-minute call
• Work of this kind is carried out by a solicitor regulated by the Law Society of Ireland. We are not a solicitor’s practice and do not provide it — to instruct a solicitor, use the Law Society of Ireland’s Find a Solicitor directory.

Who this is for

• Owners with a judgment mortgage on their folio
• Sellers whose sale is blocked by a judgment mortgage
• Owners who have paid the debt but the registration remains
• Owners negotiating with a creditor

How it works

1. Find a solicitor through the Law Society of Ireland’s Find a Solicitor directory and send them the basic details and any existing documents or correspondence.
2. Complete a short questionnaire about your circumstances.
3. A solicitor would then typically review the documents and prepare written advice.
4. You receive your written advice by email and, where included, a follow-up call to ask questions.

Frequently asked questions

How much does judgment mortgage advice cost in Ireland?

Fees for work of this kind are typically set on application: a solicitor would typically confirm the fee once the matter has been reviewed and before any work begins. Any third-party or State fees are listed separately where they apply. You request an assessment, and costs are confirmed in writing before any work begins.

What is a judgment mortgage?

It is a charge registered against property by a creditor who has obtained a court judgment. It secures the debt against the property.

How is a judgment mortgage removed?

Usually by paying or settling the debt and registering a release or discharge. Other routes may apply in some cases.

For more on property, land and conveyancing, see our Property & Conveyancing in Ireland guide.

If you would like to be told when solicitor services are available again on this site, you can join our no-fee waiting list. To instruct a solicitor now, use the Law Society of Ireland’s Find a Solicitor directory.