Terms of Business

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This Terms of Business is effective from 21st October 2016.

This document is intended to provide you with information that will assist you as our customer. Please take the time to read this page in full. If there is anything in this page that you do not understand please do not hesitate to call us on (0818) 220 666 or (01) 209 6300 and we will answer any questions you may have.
Start Mortgages - Company Information
Start Mortgages Designated Activity Company is a wholly owned subsidiary of Start Mortgages Holding Limited. Start Mortgages Holding Limited is owned by 'LSF IX Java Holdings Designated Activity Company'. Our registered office is:

Trimleston House
Beech Hill Office Campus
Clonskeagh
Dublin 4
If you need to contact us please use one of the following options:
Consumer Information
Start Mortgages DAC trading as Start Mortgages is regulated by the Central Bank of Ireland.

Start Mortgages is authorised by the Central Bank of Ireland as a retail credit firm and is subject to the Consumer Protection Code, the Code of Conduct on Mortgage Arrears, the Minimum Competency Code and the Fitness and Probity Regime which offer protection to consumers and can be found on the Central Bank’s website www.centralbank.ie.
Our Services
Start Mortgages principle business is mortgage lending and mortgage servicing however Start Mortgages is not currently offering new mortgages or further advances.
Consumers Personal Data
Your personal data is information or facts about you that we store on computer or paper.
Start Mortgages complies with its obligations under the Data Protection Acts 1988 and 2003.

Start Mortgages uses security measures to protect your information.
We will not share your personal data with third parties outside of Start Mortgages without your consent unless the sharing of information is required for the management and administration of your account. Sometimes, other companies and individuals work on our behalf or give us information to help us make decisions. For example to: analyse data, collect debts, trace information and process information. We contract with all third parties, to whom we give your information for these purposes, to keep your information confidential and to abide by the law on data protection.

We will also share your personal data with third parties if we believe in good faith that we are permitted or required to disclose it in accordance with any applicable law, a summons, a search warrant, a court or regulatory order, or other valid legal process.

You have the right to receive a copy of your personal data held by Start Mortgages following a written request, and also to have any inaccuracies in your personal data corrected.
Conflicts of Interest
Where a conflict of interest cannot be reasonably avoided, we will only undertake business with you having first informed you of the conflict of interest and following receipt from you of a written acknowledgement that you are aware of the conflict of interest and still want to proceed.
Arrears
If you are in arrears on your mortgages payments or think that you are in danger of falling into arrears then you should contact our Arrears Support Unit (ASU) immediately on Lo-Call 1850 818 000 or (01) 209 6300. For full details of our Mortgage Arrears Resolution Process please access our Arrears Help page.
In accordance with the Code of Conduct on Mortgage Arrears we will endeavour to assist you.
MARP Appeals Process
Should you not agree with the Alternative Repayment Arrangement(s) offered by Start Mortgages, our decision not to offer an Alternative Repayment Arrangement or our decision to classify you as 'Not Co-Operating', it is your right to submit an appeal by following our appeals process and by completing our MARP Appeal Request Form.
Default
If you fail to meet your obligations to us, we will contact you to request that you resolve matters. In the event that you do not remedy the matter, we may take such steps (including legal proceedings and enforcement of security) as we deem necessary to enforce your obligations to us.
Complaints Process
Should you be unhappy with any other aspect of your treatment by us, you may register a complaint by following our complaints process.
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