Regulatory Warnings and Information

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Consumer Protection Code and Consumer Credit Act
Financial Services Warnings


Consumer Credit Act 1995

WARNING:
YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT. THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME



Credit Reporting Act 2013

Under the Credit Reporting Act 2013, the Central Bank of Ireland has created the Central Credit Register to provide a full and accurate record of loans and loan applications. Start Mortgages are required to send data to the Central Credit Register regarding your loan.
In early 2018, you can request a copy of your own personal credit report from the Central Credit Register. Lenders can request an individual's credit report, if a loan is in arrears or if they are considering a loan application, or a change to the terms of an existing loan.
NOTICE: Under the Credit Reporting Act 2013 lenders are required to provide personal and credit information for credit applications and credit agreements of €500 and above to the Central Credit Register. This information will be held on the Central Credit Register and may be used by other lenders when making decisions on your credit applications and credit agreements.
An explanation of the operation of the Central Credit Register is available at www.centralcreditregister.ie

Separate to the Central Credit Register, Start Mortgages also provides credit information to the Irish Credit Bureau (ICB) in respect of your loan. Further information regarding the Irish Credit Bureau can be found at www.icb.ie



Consumer Protection Code 2012

Residential Mortgage
WARNING: IF YOU DO NOT KEEP UP YOUR REPAYMENTS YOU MAY LOSE YOUR HOME
Variable Rate Mortgage
WARNING: THE COST OF YOUR MONTHLY REPAYMENTS MAY INCREASE
WARNING: WE MAY CHANGE THE INTEREST RATE ON THIS LOAN
THIS MEANS THE COST OF YOUR MONTHLY REPAYMENTS MAY INCREASE OR DECREASE

Download: Start Mortgages Variable Rate Policy Statement

Fixed Rate Loan
WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED RATE LOAN EARLY
Interest-Only Mortgage
WARNING: THE ENTIRE AMOUNT THAT YOU HAVE BORROWED WILL STILL BE
OUTSTANDING AT THE END OF THE INTEREST-ONLY PERIOD
Interest On Amounts In Arrears
You should note that interest is charged on arrears at the rate of interest on your mortgage account in accordance with the terms and conditions of your original mortgage offer letter.
Further Information
Subject to status, a legal charge on your property is required as security for the loan facility. You are also required to have household and Mortgage Protection life assurance.
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