Experiencing difficulties in paying your mortgage?

We are here to assist you. We understand that the increased cost of living and rising interest rates have impacted many people. If you are concerned about falling into arrears, have recently fallen into arrears or have been in arrears for some time, the most important step is to communicate with us. We have a dedicated team and a varied list of solutions available to help you to get back on track.

* Start Mortgages DAC only engages with a nominated advisor or representative where the customer has first contacted Start Mortgages DAC and specifically authorised us in writing to deal with that nominated advisor or representative.

Start Mortgages Arrears

Important Information about Mortgage Interest Rate Changes

Tracker Interest Rate Mortgage
Over recent months, the European Central Bank (ECB) has announced a series of increases to the European Central Bank Base Rate (ECB Base Rate). If your Mortgage is currently on an ECB Tracker Interest Rate, then your interest rate is tracking the ECB Base Rate. If further changes to the ECB Base Rate are announced, Start will write to you with details of how this change affects you.


Variable Rate Mortgage
If your Mortgage is currently on a Variable Interest Rate, this means the interest rate can go up or down based on a variety of factors as set out in Start’s Variable Rate Policy Statement. Due to the current market conditions, including changes in market interest rates generally, Start has unfortunately had to make the difficult decision to increase Variable Rates on Variable Rate Loans. Any further decisions to change Variable Rates will be communicated to you in writing in advance of the change.


You will find Frequently Asked Questions (FAQ’s) here which may answer questions you have regarding what these Interest Rate Changes mean for you.



If you are having difficulty meeting your mortgage repayment, it is important that you contact our dedicated team on 1800 818 000 or 012096300 as soon as possible. Alternatively, please click here for more information about how Start can help you.


We have a dedicated team and a varied list of solutions available to help you to get back on track. All of our solutions are subject to an assessment of your individual circumstances and you meeting our eligibility criteria. Solutions can include fixing your repayment amount for a period of time, or in certain circumstances applying a concessionary interest rate, which will not vary for a 24 month period.

Start Mortgages Apartments

How can we provide help and support?

Start is authorised as a Retail Credit Firm by the Central Bank of Ireland. We are a regulated entity which means that we comply with the legislation and regulations aimed at protecting our customers such as the Code of Conduct on Mortgage Arrears and the Consumer Protection Code.


Start has been in operation for over 18 years and we have an experienced team in place who engage with consumers and their representatives. Start puts the best interests of consumers at the heart of its decision making. Because we tailor solutions to the consumer’s individual financial circumstances, we continue to see high success rates in terms of providing affordable and sustainable solutions to our customers. Over the years, we have assisted thousands of consumers to restructure their mortgage in a way that makes their repayment affordable and free of arrears.


To discuss your situation with a member of our team contact us on 1800 818 000 or 01 2096300 or click the link below for Arrears Help.

Arrears Help

Want to join us?

Accepting expressions of interest only at this time. Start has a staff of over 165 and employs best in class customer and real estate management techniques while working with customers in mortgage arrears. View all our current opportunities!

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Seeking a better interest rate?

Start does not offer new lending. As a result, we do not have a suite of fixed rates to offer customers.


Where a customer decides to refinance their mortgage with another Lender to avail of a better interest rate, Start will provide whatever information or support is required to assist you with a smooth transition to your new Lender.


The information provided on the Competition and Consumer Protection Commission website (https://www.ccpc.ie/consumers/money/mortgages/switching-lenders-or-mortgage) may assist you if you are considering refinancing.

Competition and Consumer Protection Commission Website