Guide only — this matter needs a solicitor. Under Irish law this work must be carried out by a solicitor, so it is not sold on this site. The information below explains what is involved so you can brief a solicitor with confidence.
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Mortgage arrears and MARP support in Ireland helps homeowners in arrears engage effectively with their lender. Your lender must deal with you under the Central Bank’s Mortgage Arrears Resolution Process (MARP) and the Code of Conduct on Mortgage Arrears. We explain the MARP stages, help you complete the Standard Financial Statement, review any restructuring offer or arrears letter, and advise on your rights, alternative repayment arrangements and the steps before any repossession can be considered.
The price shown is the full professional fee for the service as described, and any third-party or State fees are listed separately where they apply. If your matter needs more than this service covers, a solicitor would explain the options before any further work is done.
What’s included
- Explanation of the MARP stages
- Help completing the Standard Financial Statement
- Review of any restructuring offer or arrears letter
- Advice on your rights and alternative repayment arrangements
- Self-complete template with guidance notes — you fill it in yourself
- Documents tailored to Irish law and your circumstances, delivered by email
- A written summary of the key points and anything you need to do afterwards
Who this is for
- Homeowners behind on mortgage payments
- Homeowners offered a restructure
- Homeowners who received an arrears letter
- Homeowners worried about repossession
How it works
- 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.
- Complete a short questionnaire about your circumstances.
- A solicitor would then review your lender correspondence and advises on your options.
- The completed work is delivered to you by email, with plain-English notes on what to do next.
Frequently asked questions
How much does mortgage arrears support 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 MARP?
The Mortgage Arrears Resolution Process is the framework lenders must follow when dealing with borrowers in arrears on their primary residence.
What is a Standard Financial Statement?
It is the form used to give your lender a full picture of your income, spending and debts so it can assess alternative arrangements.
For more on debt and insolvency, see our Debt & Insolvency 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.