Our Four Step Process

If you are having difficulties meeting your mortgage repayments, or think you will in the near future or have already fallen into arrears, please contact us on 01-961 9800.

We are here to help you and will work with you to endeavour to find a solution to assist you in meeting your monthly mortgage payments.

In order to achieve this, it will be necessary for us to keep in touch with you. We would ask that you ensure the lines of communication are kept open by providing us with current contact details, promptly returning our phone calls and responding to our correspondence in a timely manner.

When you contact us, we will ask you to complete a Standard Financial Statement and give details of your current circumstances. We will also ask for supporting documents, which may include bank statements, business accounts, payslips and your EDS.

You may wish to seek independent advice to assist you with completing the Standard Financial Statement, e.g., from MABS or an appropriate alternative.

We will use the information you provide us to assess your individual situation. In doing so, we will give careful consideration to:

• Your personal circumstances
• Your overall personal debt
• The information provided in the Standard Financial Statement
• Your current ability to make repayments
• Your previous payment history
• Any other relevant information

In certain situations, a short term arrangement may be appropriate to allow you sufficient time to either adjust your household expenditure or address your unsecured debt, and enable you to return to full repayments. In other circumstances it may be more appropriate to consider a long term arrangement. In some cases, it might be more appropriate to examine alternative arrangements. Further information on all potential repayment arrangements is outlined in KBC Dublin Branch's Guide to Mortgage Arrears Resolution Process (pdf, 656 KB).

Please note: Customers who are deemed to be non-cooperating may incur additional fees and charges.Any such fees and charges will be notified to you in advance of being charged. The fee will be payable in amounts and at such times as will be notified to you by KBC Dublin Branch. For further information on non-cooperating, please read our MARP brochure.