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.

Whether 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. Using the Mortgage Arrears Resolution Process (MARP), we will assess your financial situation and choose the solution that is most suited to you. Such solutions may include extending the term of your mortgage, reducing your interest rate, switching your payment type to interest only, capitalising your arrears, agreeing to accept a reduced repayment for a period of time, or a combination of these options.

Many temporary Alternative Repayment Arrangements (ARAs) include a provision that fixes the repayment amount for the duration of the ARA, even if interest rates change during this period. This means the amount you pay each month does not change during the ARA.

Separately, in certain circumstances, Start Mortgages may now also apply a concessionary interest rate to your account, which will not vary for a 24 month period. This means that both your monthly repayment amount and your interest rate will stay the same for 2 years from when you enter the ARA.

For more information on the ARA solutions that we offer, please click here.

All ARAs are subject to an assessment of your individual circumstances and you meeting our eligibility criteria. This assessment is carried out using a Standard Financial Statement (SFS). You can view or print a copy of Start's SFS here. We have provided a step-by-step guide for completing the SFS which can be accessed here. In addition, the Central Bank of Ireland has produced a guide which can be located here. The completed SFS can be returned to Start as follows:

1) By Post: Start Mortgages DAC, Trimleston House, Beech Hill Office Campus, Clonskeagh, Dublin 4, D04CK80
2) By Email:

We can also help you to complete your SFS over the phone if you wish.

For more information on our Mortgage Arrears Resolution Process please read our MARP Booklet or contact our team on 1800 818 000 or 01 2096300 and we can talk you through the process.