Charges and Warnings

 

Charges and Fees

Charges or fees may be imposed on your mortgage in certain circumstances. You can reduce the risk of a fee or charge being applied by ensuring that repayments on your mortgage are made when due and that you are co-operating on finding a solution if you have fallen behind on your payments.

Please contact us for information relating to your mortgage.

Impact on Credit Rating

We will register information on your payment history with the Central Credit Register (CCR) in accordance with the Credit Reporting Act 2013. In addition, your payment history may be registered with the Irish Credit Bureau (ICB).

Your credit rating may be adversely affected if you miss scheduled repayments, make payments late or if you agree to an alternative repayment option or other resolution option. However, a creditor’s interpretation of a borrower’s repayment history depends on that creditor’s scoring criteria.

What is the Central Credit Register?

The Central Credit Register (CCR) was established by the Central Bank of Ireland under the Credit Reporting Act 2013. The CCR is a national database that will collect and store personal and credit information received from lenders for loans €500 or more. It will provide:

  • a borrower with an individual credit report detailing their credit agreements; and
  • a lender with comprehensive information to help with credit assessments.

For more information on the CCR you can contact the Central Bank of Ireland as follows:

Online: www.centralcreditregister.ie
Email: consumerinfo@centralcreditregister.ie
Lo-call: 1890 100 050
Landline: 01 224 5500

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