If you miss any mortgage payments and can’t catch up, your mortgage will go into arrears.
As soon as you know you're in financial difficulty, you should contact your lender or the [Money Advice and Budgeting Service (MABS).](https://www.citizensinformation.ie/en/money_and_tax/personal_finance/debt/mabs_service.html){:target="_blank"}
They can offer free, independent advice and help you to understand the next steps.
Never ignore the problem as you could face losing your home.}