I have been in arrears for more than 6 months

It is never too late to engage with KBC, we are here to help no matter what stage you are at. It is important that you contact us immediately.

If you are a number of months in arrears and you do not see a way to catch up on your repayments, it is important to understand that a solution can be found if you engage with us. It is never too late to start the process and engage with KBC. At KBC we encourage any customer, no matter how far in arrears to make contact with us. In turn we promise to work with you to try and find a solution to your mortgage repayment difficulties. We can only do this by working together.

You can contact us on 0818 93 02 35.
 

Understand your options

We understand this is a difficult time and we are here to listen, support and help in any way we can. It is important that you contact us immediately or we can arrange for one of our experienced Arrears Support Team to come and visit you in confidence at your home or mutually acceptable location.
We have a number of options that may be available to you depending on your particular financial situation.

We have a number of options that may be available to you depending on your particular financial situation.

 

Alternative arrangements

In certain circumstances it may not be possible to offer you a short or long term repayment arrangement. In such circumstances there are a number of alternative arrangements, which require you to sell your property. We understand that this is a difficult choice and you will need time to think these options over. In turn we promise to work closely with you in a confidential and sympathetic manner. Below are the options available to you.

• Negative Equity Trade Down
• Mortgage to Rent: Please call 01 603 5497 or email mtr@kbc.ie
• Voluntary Surrender
• Voluntary or Assisted Sale