COVID-19 Coronavirus Information

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COVID-19: Update from Start Mortgages DAC - September 2020

Start has a dedicated internal COVID-19 working group in place to monitor and respond to the COVID-19 situation and to ensure continued service for our customers and to protect our employees. Start are adhering to advice from the HSE and relevant Government Departments. Start is also working with our industry representative body known as the Banking & Payments Federation Ireland (BPFI) who are engaging with industry stakeholders, the HSE and Government on a co-ordinated plan to respond to the risks related to COVID-19 in Ireland.

Many of you may be facing financial difficulties as a result of COVID-19 and Start will work with you to help you to manage these difficulties. To assist you Start have put the following measures in place in line with industry practice:

  • Start are offering mortgage payment breaks of up to three months to certain customers impacted by COVID-19 with the ability to extend them for a further three months, allowing a break of up to six months in total where required.
    • Payment deferrals or other changes to your payment amount are subject certain criteria and approval by Start; documentation may be required.
    • Please be aware that taking a break in your mortgage repayments will mean you will pay more interest over the remaining term of the loan.
    • The deadline for requesting your first payment break is 30th September 2020
    • For more information on payment breaks, please read the BPFI's document A Guide to the COVID-19 Payment Break.

You can find additional information in our Frequently Asked Questions (FAQ) document.

If you have already availed of a Payment Break you may be eligible to extend it for a period of 3 months. Start will contact you before the end of your existing Payment Break to advise you of your options. There is no need to reapply.

Customers Exiting Extended Payment Breaks

If you have availed of an extended Payment Break (a total Payment Break of 6 months) and are due to return to repaying your mortgage, you can refer to our Frequently Asked Questions (FAQ) document or to the BPFI’s website for more information. We will also communicate the next steps to you directly, in advance of the Payment Break ending.

If you believe that you may not be in a position to return to your pre-covid repayment terms, we encourage you to visit the Arrears Help section of our website and our Covid FAQ document where you will find more information.

Important Information

Protecting your account: Please be alert to any suspicious phone calls, text messages or emails from anyone with a message about COVID-19. Start will always ask security questions with you before discussing any details of your mortgage account with you and will never ask you for your bank PIN number or personal password.

Start Mortgages DAC (trading as Start Mortgages) is regulated by the Central Bank of Ireland
Start Mortgages DAC is registered in Ireland.  Reg. No.: 391445.  Reg. Address: Trimleston House, Beech Hill Office Campus, Clonskeagh, Dublin 4