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Did you take out a residential mortgage in Ireland between 2001 and 2009?

If so, you could be due thousands in compensation.

Use our instant eligibility checker to see if you qualify
to join the claim.

Start your Irish mortgage mis-selling claim

Find out if you are eligible to claim compensation

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Thousands of €s.

Struggling to pay your mortgage? You could be a victim of Irish mortgage mis-selling.

During Ireland’s boom, banks and other lenders aggressively sold risky mortgages and encouraged struggling families to refinance, combining debts into their mortgages without explaining the long-term risks. After the global crash, thousands were left unable to afford their payments.

To make matters worse, banks subsequently sold the mis-sold mortgages to debt servicing companies managed by Pepper, Mars, Start, and Cabot. These companies don’t do deals. Instead, they aim to make as much from the debt as possible, and are unlikely to negotiate a discount at any stage of the process. Over 100,000 Irish mortgages have been sold to debt servicing companies, leaving homeowners with increasing financial pressure and significant stress.

The financial strain caused by mortgage mis-selling has led to stress, anxiety, and mental health issues. While people were told they borrowed irresponsibly, this is not the case. The banks broke the rules meant to protect you and are refusing to accept responsibility.

With interest rates spiking as high as 9% on these mortgages, as many as 200,000 borrowers are now trapped, struggling to keep up with payments and living in fear of arrears.

Working in association with experts in Irish mortgage mis-selling, we’ll help you reclaim what’s rightfully yours.

NO-WIN, NO-FEE – you’ve got nothing to lose.

Join others seeking justice for the financial harm caused by reckless lending during the Irish housing boom.

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How to make a claim.

By taking action now, you are standing up for your rights and helping to create a fairer financial system for everyone.
Start your claim today and reclaim what’s rightfully yours!

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* Join the Claim is not a law firm. Instead, we help make eligibility checks easy and connect eligible claimants with a regulated law firm.

How to make a claim.

Check your eligibility

Use our fast and free online eligibility checker to see if your mortgage is one of thousands eligible to join the claim.

Join the claim

Provide a few details about your mortgage and join the claim online. We’ve made the process easy and jargon-free.

Let your legal team* do all the hard work

We’ll connect you with Irish mis-selling experts who will investigate your claim, keep you updated, and aim to get your compensation as soon as possible. 

~ 200,000

Irish residents affected.

15%

of Irish home mortgages mis-sold before 2009.

99%

of mortgages sold to debt servicing companies could be mis-sold.

up to €500,000

receive depending on your losses.

Who can make a NO-WIN, NO-FEE mortgage mis-selling claim?

You could be eligible if any of the following apply:

Your mortgage term extends beyond your retirement age

You were sold an interest-only mortgage without proper consideration for how you would repay the original loan amount

You were allowed to self-certify your income without providing proof

Your lender didn’t properly assess your ability to repay

Your lender didn't fully consider your personal circumstances.

Irish Mortgage Mis-selling FAQs

If you took out an Irish residential mortgage before 2009, you may have been mis-sold and could be entitled to compensation.

We connect you with mortgage mis-selling experts who work on a no-win, no-fee* basis, meaning you won’t pay a penny unless they win your claim. There are no sign-up fees or hidden charges.

The four main types of mis-sold mortgages include:  

  • Interest-only mortgages: Where your lender failed to assess how you would repay the full amount borrowed when the term ended. 
  • Self-certification mortgages: Where your lender failed to verify your income properly. 
  • Mortgages beyond retirement age: Where your lender failed to assess how you’d make payments after retiring. 
  • Re-mortgages to consolidate debt: Where your lender did not fully inform you about the risks of combining debts into your mortgage. 

You can make a claim directly to the FSPO (Financial Services and Pensions Ombudsman) without a solicitor or other professional help. However, the FSPO is a neutral mediator funded by the Department of Finance and the banks, so it is not 100% on your side.

Join the Claim, and we’ll put you in touch with Irish mis-selling specialists who will help you file the most robust complaint possible with the FSPO. If your claim is rejected, these experts will appeal your case to the Irish High Court, and if necessary, to the European Court of Justice (ECJ). European law fiercely protects consumers and can hold lenders to account in ways Irish law may not.

Yes, you should do so immediately to protect your home and family. If you have a strong case, there are a number of options available to you. Join the Claim and the mortgage mis-selling experts will be in touch with more information.

European law (EU Alternative Dispute Resolution Directive) recommends that mortgage mis-selling complaints be dealt with in just three months. However, escalating a claim to the ECJ can take many years. We keep you updated throughout. Legal protection is also available to help borrowers at risk of losing their homes before their claims are resolved.

Mortgage mis-selling experts standing up for you

At Join the Claim, we are working in association with some of the leading mortgage mis-selling experts in Ireland.

Cases are being run by Barry Lyons Solicitors. Dublin-based, the firm has extensive experience resolving historical debt issues and fully understands the complexities of financial law. Having long supported small businesses in their fight against large financial institutions, the firm is perfectly placed to help victims of mortgage mis-selling obtain justice and compensation.

Ben Hoey (FCCA, AMCT, Dip. Couns. Psych) is spearheading the campaign. Ben is passionate about consumer protection and righting wrongs in the Irish financial industry. He spent over 20 years in the international banking sector and has a background in legal and financial compliance and regulation. Ben was among the first to discover that many Irish home mortgages had been mis-sold during the height of the Celtic Tiger. He is now committed to correcting this injustice and helping victims of mortgage mis-selling claim compensation.

The time has come to hold the lenders accountable and get the compensation you deserve.

Why make a mis-sold mortgage claim?

Seek justice

Reclaim thousands of euros from mis-sold mortgages that led to higher interest rates and repayment struggles.

Fight back

Don’t let debt servicing companies continue to profit off your misfortune. It’s time to hold them accountable.

Restore financial stability

The claim seeks to restore your financial position as if the mis-sale never happened, promoting fairness and trust in our financial system.

European law protections

If needed, your claim will be appealed using EU law, which offers robust consumer rights protections.

The Irish Residential Mortgage Scandal (2004-2024): timeline of events

  • 2004-2008

    Pre-crisis lending boom: Banks aggressively sold risky mortgages, while many struggling families were cold-called and pushed to refinance, consolidating debts into their mortgages without fully understanding the long-term consequences.

  • 2008

    Global financial crisis: The global banking crash hit Ireland hard, leading to an economic downturn, increasing mortgage defaults, and plunging borrowers into financial distress.

  • 2010-2016

    Post-crisis PR campaigns and regulation: Surviving banks and their lobbyists misled the public by promoting “Responsible Borrowing". They also coined the phrases “Strategic Defaulters” and “Moral Hazard”. This focused the blame on mortgage holders and consumer protections were not enforced. By 2016, 17% of private dwelling house (PDH) mortgages had been restructured, with a further 11% still in arrears. Including interest-only mortgages, over 30% of Irish home mortgages were in trouble or heading for trouble. That’s over 200,000 home mortgages.

  • 2016 onwards

    Private equity takeover of mortgages: Mortgage lenders collapsed and surviving banks were forced to sell non-performing loans (NPLs) to debt servicing companies, which bought mortgages at deep discounts. By 2023, over 100,000 residential mortgages (15% of PDH loans) were owned by private equity, leading to higher interest rates and more financial strain on borrowers. Some debt servicing companies are now charging 9% interest rates on home mortgages when the community banks are charging 4% or lower.

  • March 2019

    Landmark judicial review: Mr. Justice McDermott ruled that a County Registrar had failed to review a consumer’s loan contract for unfair terms as required by European law. Although the consumers ultimately lost the case, it highlighted the lack of scrutiny of lenders’ practices before the 2008 crash.

  • 2020s

    Rising interest rates, the cost-of-living crisis, and ongoing legal and consumer protection issues: As interest rates rose, mortgage holders with variable-rate and interest-only tracker mortgages saw their payments increase, causing many consumers to default on their arrangements. The European Court of Justice ruled that unfair terms in consumer contracts could void contracts. However the Irish legal system has failed to protect European consumers based in Ireland.

  • 2024

    Continuing crisis for mortgage prisoners: As many as 200,000 “mortgage prisoners” remain trapped in unaffordable loans with high interest rates. As many approach retirement, unresolved mis-selling issues continue to impact their financial futures.

What does no-win-no-fee mean?

When we connect you with our partner mortgage mis-selling experts, you will not have to pay to join a claim. This means:

  • If the law firm does not win your case, you won’t have to pay any fees.
  • If your claim is successful, you will have to pay the associated professional fees.
  • This fee is taken from the compensation awarded to you.
  • All professional fees are fixed and you will be advised in advance of progressing your claim.
  • The fees will NOT exceed 20% of the compensation awarded to you.

Before entering into a no-win, no-fee agreement, it’s important to check all the terms and conditions with the solicitor handling your claim.

Latest news

EU Law may offer stronger protection than FSPO claims in Irish mortgage mis-selling cases

September 17, 2024

If you were mis-sold a mortgage in Ireland before 2009, you’re not alone. Thousands of Irish residents are trapped in unaffordable mortgages, many of which were sold under misleading terms. While the Financial Services and Pensions Ombudsman (FSPO) offers a pathway for making claims, European Union law may provide a more powerful and effective route for getting justice.

Irish mortgage mis-selling: what you need to know

September 17, 2024

Mis-selling of mortgages in Ireland before 2009 is an issue that affects thousands of homeowners. Whether you were sold an interest-only mortgage, a mortgage that extended past your retirement age, a debt consolidation mortgage, or one based on self-certified income, you may have been misled. If so, you could be entitled to compensation.

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Join The Claim is not a law firm. We connect individuals with top law firms for group action claims, and our service is free to use. While we may receive a fee from the law firms we introduce you to, this will not affect your costs or compensation. We are not responsible for the advice or services provided by these firms. Please note, nothing on this website is legal advice, and while we check claim eligibility, we cannot guarantee a law firm will accept a case.

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