I am currently in arrears

We have a specially trained Arrears Support Team which works every day with customers to find solutions to their mortgage difficulties.

Engage with KBC

It is important that you engage with us if you have not already done so. When you engage with KBC we promise to listen, work with you and inform you of all the options available to you.

The earlier we are made aware of your difficulties, the sooner we can start to work together to find a solution.

What you need to do:
You will be required to complete and return a detailed financial review form (known as a Standard Financial Statement) and engage in discussions with us about your financial situation. It is important to note that the Code of Conduct on Mortgage Arrears also sets out implications for you should you not actively engage with KBCI and provide all the information required to assess your situation. If you do not remain engaged with KBCI during this time, there is a danger you may be classified as a non co-operating borrower. Those classified as ‘non co-operating borrowers’ may lose the protections of the MARP. So start today, and together we can try to work things out.

Our four step process to help you

KBC Bank Ireland has a four step process to help you if you fall behind in your mortgage repayments or if you are at risk of falling behind. This is called our Mortgage Arrears Resolution Process (MARP) and is part our obligations under the Central Bank of Ireland’s Code of Conduct on Mortgage Arrears (July 2013). Read the 4 Steps for more detail.

What happens next?

1. We will notify you of the details of the arrangement in writing.
This is known as the Letter of Variation (LOV) which you will need to read carefully.

2. You will need to review the LOV.
If you are satisfied with the terms of the offer all parties to the mortgage will need to sign and return the LOV to KBCI. This will enable us to put the arrangement in place for you.
NOTE: The LOV is an extremely important document and you must read it thoroughly, sign it and return the signed copy to KBCI if you are satisfied with it. We recommend that you seek advice when reviewing the LOV.