Gaeilge | English



By means of the website and the Mortgage Arrears Information Helpline, the Citizens Information Board provides information concerning the Mortgage Arrears Information and Advice Service.

Every reasonable effort has been made to ensure that the information provided by the Mortgage Arrears Information Helpline and on the website is reasonably comprehensive, accurate and clear.

However, the information provided by the Helpline or on or via this website may not necessarily be completely comprehensive or accurate, and, for this reason, it is provided on an "AS IS" and "AS AVAILABLE" basis.

If you think you may have noticed any error or omission, please let us know by contacting It is our policy to correct errors or omissions as soon as any error or omission has been established to our satisfaction.

General Information Only

While the Citizens Information Board makes every reasonable effort to provide information that is as comprehensive, accurate and clear as possible, the information provided by the Helpline and on this site is necessarily of a general nature and may not address the specific circumstances of a particular individual.

Simple Descriptions

Responses to Helpline queries, and the contents of, and documents on, or available from, this site describe schemes and services as simply as possible. These schemes and services may involve technically complex issues (for example, legal issues). The information provided by the Helpline or the simple descriptions available on, or via, this site may not address all such issues, or address them in sufficient detail for your particular needs.

Your Particular Circumstances

If you wish to find out what your particular position is in your own particular circumstances, or if have an enquiry about any particular entitlements or services that may be available to you, you may need to seek appropriate professional, or other, advice and/or contact the particular agency or agencies responsible.

No Legal or Other Professional Advice Given

In particular, the information provided by the Helpline and on this site is not legal advice or professional advice of any other kind, and should not be considered to be such, or relied or acted upon in that regard. If you need legal or other professional advice, you should consult a suitably qualified person.

Information Only

The Citizens Information Board and the Money Advice and Budgeting Service provide information on, and on the availability of, schemes and services. They are not responsible for the schemes or services, nor for the way in which such schemes or services may be operated and administered in practice.

Panel of Accountants

The list of accountants on the panel participating in the scheme to provide certain, paid-for financial advice as part of the overall Mortgage Arrears Information and Advice Service, and which is available on, is compiled by a number of professional accountancy organisations of which such accountants are members.

The Citizens Information Board is not liable or responsible for the professional performance or conduct of the accountants listed on this website. Persons wishing to engage an accountant on the panel should read carefully the information contained in the Protocol for Independent Advice to Borrowers Availing of Long-Term Mortgage Forbearance (2 August, 2012), the contents of this website, and the terms of engagement put to them by such accountants regarding

  • the particular scope and limitations of the paid-for financial advice available; and
  • the possible need for further, or other, advice relating to their overall position (including additional financial or accounting advice, taxation, investment, and / or legal advice).

References to External Information / Organisations

The Helpline and website sometimes refer or link to external organisations or sites over which the Citizens Information Board and the Money Advice and Budgeting Service have no control and accept no responsibility. Any references by the Helpline or links on the website to external organisations or websites are provided as a matter of convenience only. They should not be taken as an endorsement of the contents of those external websites or of those organisations.

This Website may contain third party owned content (e.g. articles, image libraries, data feeds or abstracts) and may also include hypertext links to third party owned websites. We provide such third party content and links as a courtesy to our users. Links are provided for your information only. We have no control over any third party owned websites or content referred to, accessed by or available on this website. To the extent permitted by law, therefore, we do not endorse, sponsor, recommend or otherwise accept any responsibility for such third party websites or content, or for the availability of such websites. In particular, we do not accept any liability arising out of any allegation that any third party owned content (whether published on this, or any other, website) infringes the intellectual property rights of any person, or any liability arising out of any information or opinion contained on such third party website or content.

General Disclaimer, Representations, Warranties and Terms

To the extent permitted by law, the Citizens Information Board, the Money Advice and Budgeting Service and the State, and their respective servants or agents, assume and accept no responsibility for, and give no guarantees, undertakings or warranties concerning, the accuracy, clarity, comprehensiveness, completeness, timeliness, fitness-for-purpose, up-to-date nature, reliability, or otherwise, of the information provided on this website or by the Mortgage Arrears Information Helpline, and do not accept any liability whatsoever in respect of, or arising from, any errors or omissions or any reliance on, or use of, such information.

Whilst we have taken reasonable care in compiling this website and maintaining the Helpline, to the extent permitted by law, we accept no responsibility for any loss or damage claimed to arise from any reliance on, or action taken by any person or organisation, wherever they are based, as a result, direct or otherwise, of, information contained in, or accessed through, the Helpline or this website, whether such information is provided by us or by a third party.

Basis of Use

By using the Helpline and/or this website, you agree that the use of information obtained or downloaded from or through the Helpline or this website is at your sole discretion and risk.


The Citizens Information Board and the Money Advice and Budgeting Service accept no responsibility for the accuracy of the translations provided on the website.

Headings and Sub-Headings

The headings and sub-headings used in this disclaimer are for general ease of reading and navigation only, and do not affect the content or interpretation of the text in any way.

Last edited: 16/04/2013

Further information

You can contact the Money Advice and Budgeting Service (MABS) Helpline on 0761 07 2000