Mortgage Arrears Support

If you've fallen into arrears on your mortgage repayments, or are worried you might, we are here to help.

At Member First Credit Union, we’re all about our members. That’s why, when you’re experiencing difficulty with your Mortgage repayments, we’re here to help. Our staff are fully trained to help you through this process, so don’t worry about getting in touch – we will deal with your request in confidence and to the best of our ability.

Mortgage Arrears Resolution Process

Our Mortgage Arrears Resolution Process (MARP) has been introduced to help our members who have a Home Loan with us, and are currently experiencing difficulties with these repayments, or are worried that they may have difficulty in the near future.

Tips for managing debt

Maximise income: explore ways of increasing your household income

Review Payment Protection policy terms (if you have any): these could help cover your outstanding payments

Review other protection policy terms: these may include life/mortgage protection or critical illness protection

Assess your spending: try to cut back on unneccessary purchases, shop around for bargains on essential items, and keep a diary of your spending. You can also manage your account with us online which may help you keep track of your spending more efficiently. Sites like can also give tips for saving on energy bills.

Budget planning: write down your income and outgoings and review where you can afford to spend, and where you need to cut back. This can be a difficult task but it’s an effective way to clear your arrears with a consistent budget allocation.

Useful Links

Citizens Information Board

General public service information.

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Legal Aid Board

Provision of legal aid and advice.

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Mortgage Arrears Resolution Process

Download our guide to the process.

Download Now

Money Advice and Budgeting Service (MABS)

Ireland's money advice service.

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Social Welfare agencies

Various social and benefit information.

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Insolvency Service of Ireland

Advice on insolvency.

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Important Documents

Mortgage Arrears Resolution Process

This guide will help you on your journey to Mortgage Arrears Resolution. We promise to work with you and help in any way we can.

Download the Guide

Standard Financial Statement

The Standard Financial Statement (SFS) is designed to assist us in assessing your financial situation under our Mortgage Arrears Resolution Process.


Download SFS Document