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Mortgage Payment Break

Arrangements were announced by the Minister for Housing, Planning & Local Government, Eoghan Murphy TD on Tuesday 14th April to support Local Authority Mortgage Borrowers who are experiencing financial difficulties as a result of COVID- 19 pandemic. Borrowers who are experiencing financial difficulties can apply for a mortgage payment break of up to 3 months.

 A further announcement was made by the Minister for Housing, Planning & Local Government, Eoghan Murphy TD on Friday 26th June  2020 to offer local authority borrowers who are experiencing financial difficulties related to the continuing COVID-19 situation, the option of a further additional mortgage payment break for 3 months.

A mortgage payment break means that the borrower will make no mortgage payments for up to three months. Additional interest will NOT accrue to the borrowers account during the period of the payment break ensuring that no increased cost will arise. The monthly repayment following the break will be increased to facilitate the repayment of the loan over the remainder of the existing term of the loan. This facility applies to all local authority home loan products. This approach will continue for the provision of a further mortgage break of 3 months to a maximum of 6 months in total.

Mortgage Holders who wish to apply for a first mortgage payment break or an additional mortgage payment break should read the attached frequently asked questions prepared by the Department of Housing Planning and Local Government. Borrowers should then complete the relevant attached application form and return it as soon as possible to the Housing Department in County Hall.

The closing date for applying for an initial mortgage payment break is 31st March 2021.

Mortgage Arrears Resolution Process


If you are suffering financial difficulties which are affecting your ability to repay your mortgage or if you know that a change in personal circumstances will impact on your future ability to make repayments, you should contact the Housing Department without delay.

It is imperative that you discuss the situation with DLRCC at the earliest opportunity and co-operate fully with the Council as failure to do so may result in legal action for re-possession of your property and legal costs associated with this which can be quite considerable.

Please see the link below for further information on dlr's mortgage arrears policy: 

House Purchase Loans



Yes, you can make a lump sum payment off your mortgage.  You should send your request in writing together with your payment to the Housing Revenue Loans Section.

You can ring any member of the Housing Revenue Loans section on 01 2054836.

You can ring any member of the Housing Revenue Loans section on 01 2054836.

An annual statement is issued every year or you can get a statement showing these details by ringing the Loan Accounts section at 01 2054836.

You can talk to our dedicated Arrears Support Office by phone 01 2054836 or email or you can contact any member of the Housing Loans Section.

  • Some older accounts that use a payment card can pay in the post office or make a payment in shops using the “Post Point” sign
  • By standing order through the bank
  • Using online banking
  • By cheque made payable to Dún Laoghaire-Rathdown County Council

You can write to the Housing Loans Section requesting a redemption quotation.  A written quotation will be posted out to you.

Mortgage Protection Insurance covers the borrower in the case of incapacity up to age 65 and in the case of death up to age 75.  It does not cover redundancy or unemployment.  If you need further information please contact 01 2054836 .

The Mortgage Arrears Resolution Process (MARP) was introduced to Local Authorities in October 2012 to help borrowers who are In arrears.

Your payment should come into your mortgage account on the 1st day of every month.

Please contact Housing Loans Section, on 01 2054836.

Yes. Every borrower’s case is treated confidentially.