Important information about our mortgages

If you feel that you may have difficulty repaying your mortgage, we’re here to help. You can call our Arrears Unit on 0818 210 260 (from abroad call +353 1 709 20 42), lines are open Monday to Friday, from 9am to 5pm (excluding bank holidays).

WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT

WARNING: IF YOU DO NOT MEET THE REPAYMENTS ON YOUR LOAN, YOUR ACCOUNT WILL GO INTO ARREARS. THIS MAY AFFECT YOUR CREDIT RATING, WHICH MAY LIMIT YOUR ABILITY TO ACCESS CREDIT IN THE FUTURE

WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED RATE MORTGAGE EARLY

WARNING: IF YOU SWITCH TO AN ALTERNATIVE INTEREST RATE, YOU WILL NOT BE CONTRACTUALLY ENTITLED TO GO BACK ONTO A TRACKER INTEREST RATE IN THE FUTURE.

Important Information on the Central Credit Register

The Central Credit Register (CCR) is a national database of personal and credit information on loans of €500 or more set up and operated by the Central Bank of Ireland under the Credit Reporting Act 2013.

Since 2017 Ulydien DAC (along with other lenders) is legally obliged to transfer personal and credit information to the CCR on a monthly basis. All types of borrowing are included on the CCR. These may be mortgages, credit cards, personal loans and overdrafts.

You will have a right to:

one free credit report each year;
insert a explanatory statement on your credit report;
apply to have your information amended, if you believe it is inaccurate, incomplete or not up to date;
report and be informed of suspected impersonation

How do I find out more?

More information in relation to the Central Credit Register is available from the Central Bank of Ireland. Contact details are:

Website: www.centralcreditregister.ie

E-mail: consumerinfo@centralcreditregister.ie

CCR phone: 01 2245500