TAILIEUCHUNG - Mortgage Arrears: Frequently Asked Questions

In order to define as accurately as possible what the ‘ordinary’ Briton has set aside, our study uses median figures throughout. Our research partners have also used independent data to create a model for the UK savings distribution at the top end of the scale, which represent the wealthiest five per cent of the population who are systematically under-represented in all ‘nationally representative’ polling. This allows us to maintain the consistency and accuracy of the survey sample in order to find the true ‘man in the middle’. For comprehensibility and given the fact that non-experts may not. | Mortgage Arrears Frequently Asked Questions The Central Bank has issued a Code of Conduct on Mortgage Arrears. It is in place since 1 January 2011 and relates to arrears on the mortgage repayments on your primary residence or sole residential property. The Code sets out the obligations of lenders when dealing with mortgage customers who are experiencing difficulty keeping up repayments on their mortgage. The Central Bank has also produced a consumer guide to dealing with your lender. To view the guide click here. Frequently Asked Questions 1. Dealing with mortgage arrears a. What should I do if I have difficulties keeping up the repayments on my mortgage b. How can I get independent advice about dealing with my mortgage arrears problem c. I am afraid to contact the lender. What should I do d. Will my lender have staff available to discuss the difficulties I am experiencing meeting my mortgage repayments e. If I need information about my mortgage account without delay in order to apply for state support will my lender provide it f. I am afraid my lender will not be sympathetic about my situation if I cannot keep up my mortgage repayments. What should I do g. I am having difficulty keeping up the repayments on my rental property. Is my lender obliged to comply with the Mortgage Arrears Code in this case h. Is my lender allowed to contact me to discuss my mortgage repayments i. I went into mortgage arrears in 2009. Am I covered by the revised Code of Conduct on Mortgage Arrears 2. Agreeing an alternative repayment schedule with your lender a. I can afford to pay some of the mortgage - will my lender accept this b. If I cannot afford to pay all the interest on my mortgage will I be charged penalties c. I am on a tracker mortgage - can my lender put me on a higher rate or a different type of rate d. What information will I have to give to my lender in order to agree an alternative repayment schedule e. Is my lender obliged to come to some arrangement with me f. If my .

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