Customer Support

Arrears Support Unit


If you are concerned about financial difficulties or have already fallen behind on your mortgage repayments, Cabot Financial Ireland is here to help you.  The earlier we are given the opportunity by you to understand the financial difficulties you are experiencing, the sooner we can work together to find a solution.

As a regulated Credit Servicing Firm, Cabot Financial Ireland takes its responsibility and its duties to its customers seriously and ensures that the appropriate standards and obligations are met for all relevant borrowers.



Your property is your primary residence if it is the residential property which you occupy as your primary residence in the State or a residential property which is the only residential property in the State that you own.

Here at Cabot Financial Ireland, we apply a 4-step process called the Mortgage Arrears Resolution Process (MARP), to resolve mortgage arrears.  It is important that you cooperate with Cabot Financial Ireland through the MARP, otherwise you are at risk of being classified as ‘not co-operating’ and the MARP will no longer apply to you.

The 4 Steps of MARP are explained below.

Further information is available in our Guide to the MARP Process: Cabot Financial Ireland – MARP Booklet

Step 1. Communication:

The first step in the process is to contact our dedicated Arrears Support Unit.  Our experienced advisors will be able to discuss your individual circumstances and advise you of the next stage.

Telephone: 01 – 464 9070

Opening hours: Monday – Thursday 9am to 5.30pm, Friday 9am to 5pm.

Step 2. Financial Information:

You will need to complete and sign the Standard Financial Statement (SFS), to ensure we have a detailed understanding of your finances.  The SFS is an industry-wide document issued by the Central Bank of Ireland.

Cabot Financial Ireland – SFS Form

Supporting documentation in addition to the SFS will be required.  Our team of advisors will be able to help you determine what supporting documentation will be required.

The Central Bank of Ireland has a helpful guide to completing a SFS.

Step 3. Assessment:

Our experienced advisors will assess your SFS and supporting documentation to understand your current financial situation and future outlook.  At Cabot Financial Ireland, we examine your situation on its individual merits.

We use this information to decide the best approach to help you address your financial situation.

Step 4. Resolution:

There are several alternative repayment options available to you.  The available solutions will be based on the information provided in the SFS, supporting documentation and your individual circumstances.

We aim to determine which option(s) will provide a sustainable solution that is suitable for your individual circumstances.

Where we are unable to agree an alternative repayment arrangement, there may be other options available to you. Our dedicated advisors will discuss all alternative options with you.



Your property is not your primary residence, if it is not the residential property which you occupy as your primary residence in the State or it is not the only residential property in the State that you own.

If you are struggling to keep up with your loan repayments, it is important to let us know so that we can help you understand the options available to you.

If you are worried about any aspect of your mortgage loan, please talk to us.

We have a dedicated team who will explain how we can assist you known as the Arrears Support Unit.

Any information you share, or conversations you have with us, will be treated with the strictest of confidence.

Telephone: 01 – 464 9070

Opening hours: Monday – Thursday 9am to 5.30pm, Friday 9am to 5pm.



 Organisation  Website  Telephone
 Cabot Financial Arrears Support Unit  01 464 9070
 Mortgage Advice & Budgeting Service (MABS)  076 107 2000
 Keeping Your Home
 Insolvency Service of Ireland (ISI)

 076 106 4200
 Citizens Information Board  076 107 4000
 Department of Social Protection
 Office of the Revenue Commissioners



It is essential that you co-operate with us in relation to your current financial situation.  If you fail to co-operate with us, you may be classified as ‘non co-operating’, which may result in the following:

  • You will no longer be under the protections of the MARP under the Code of Conduct on Mortgage Arrears.
  • We may commence legal proceedings to take possession of your property.
    • Where legal proceedings have begun, you will be responsible for legal costs.
    • If legal action is necessary, it is important to be aware that regardless of how the property is repossessed and disposed of, you will remain liable for any outstanding debt, including any accrued interest, charges, legal, selling and other related costs.
    • In the event where repossession proceedings would commence and are not defended by you, then it is estimated that the costs and outlays incurred will amount to approximately 5,000.00 and may exceed that amount.  Costs will be added to your mortgage account.
    • If the proceedings for possession of the mortgage property are contested or if adjournments are granted, a higher figure for costs may apply.
    • You may also be liable for legal costs, which you have incurred in retaining your own legal advisors (if any).
    • The costs of sale are in addition to the costs of proceedings and these costs will also be charged to the mortgage account and payable by you.
  • This may impact on your eligibility for a Personal Insolvency Arrangement under the criteria set out in the Personal Insolvency Act 2012.

We do not charge surcharge interest on arrears.  However, interest is charged on the full amount outstanding on your loan.

You will pay increased interest if you are in arrears, as the balance outstanding will include your arrears amount.


Please note carefully the following information relating to Irish Housing Loans covered under the Irish Consumer Credit Act 1995 and the Consumer Protection Code.

Warning: Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it. If you do not meet the repayments on your loan, your accounts will go into arrears.


Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.


If you have a Variable Rate mortgage:

Warning: The payment rates on this housing loan may be adjusted by the lender from time to time.


If you have an Interest-only mortgage:

Warning: The payment rates on this housing loan may be adjusted by the lender from time to time.


Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest only period.


If you have an Endowment linked loan:

Warning: There is no guarantee that the proceeds of the insurance policy will be sufficient to repay the loan in full when it becomes due for repayment.


If you have a Fixed Rate mortgage:

Warning:  You may have to pay charges if you pay off a fixed-rate loan early.


If you have a Debt Consolidation mortgage:

Warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.


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