Concerned about Losing your Family Home?
We are here to help protect the family home and help you restructure your debts
The possibility of losing your home is one of the most stressful situations that many families have to go face in modern day Ireland. Since opening in 2016, The Financial Foundation has assisted hundreds of people to stay in their homes through negotiations with their lenders.
Here's just a few of our Successful Outcomes
Why Choose Us?
- Authorised and Regulated by The Central Bank of Ireland
- Impartial, independent advice
- We submit all paperwork and negotiate on your behalf
- Creditors cannot make contact throughout the negotiation period
- Proven track record in successful negotiations
Get in Touch
“I am absolutely thrilled and honoured to have achieved not only a Business All Star Award but also have been accredited as a Thought Leader in Mortgage Restructuring! This has moved the company to another level and I am so proud that I have received such recognition.”
The Financial Foundation
Roslynn Doherty
SOME RECENT RESTRUCTURES
Check below for some of our most recent restructures for clients. Please help us spread the word and like and share our website with others.
The examples of Restructures given on our Website are indicative of some of the resolutions being offered by our clients’ lenders. Each file is assessed on a case-by-case basis some of the given examples may not apply in your current situation
WARNING: YOU MAY STILL HAVE DEBT OUTSTANDING AFTER COMPLETING THE DEBT MANAGEMENT PROCESS
“Our clients owed an overall amount of €220,000 with arrears of €68,426 on their family home. Having restructured their account, their lender has warehoused €84,500 and customer is making repayments on €135,500. Their lender will reduce the warehoused amount by 5% for every 5 years that the customer stays in the arrangement and will potentially be reduced by approximately €29,575 at the end of the mortgage term.”
PM, Louth – May 2017
SPLIT MORTGAGE RESTRUCTURE AND LUMP SUM WAREHOUSED
“Our client owed an overall amount of €175,000 on their family home. Having restructured their account, their lender has warehoused €73,000 and customer is making repayments on €102,000. Their lender will reduce the warehoused amount by 5% for every 5 years that the customer stays in the arrangement and will potentially be reduced by about €22,000 at the end of the mortgage term.”
GB, Drogheda – October 2016
SPLIT MORTGAGE RESTRUCTURE AND LUMP SUM WAREHOUSED
WHAT WE DO
We are here to help families and individuals who are faced with mounting debts and face the possibility of losing their home.
Debt Solutions
We deal with all types of debt including secured and unsecured and will work with your creditors to find an affordable and sustainable solution agreeable to both parties.
Negotiation
We will negotiate on your behalf and dramatically reduce the level of calls and letters to you and will stay with you every step of the way.
Debt Solutions
We will collect all paperwork from you, prepare your Standard Financial Statement and deal with your creditors.
Prioritisation
When we have determined your affordability to your creditors, we will prioritise your mortgage and secured debts and pay your unsecured creditors on a pro-rata basis.
Clarification
We will explain all agreements to you in simple terms and ensure all agreements are finalised.
Education
We will offer advice and guidance on your household budget and spending habits.
What Our Clients Say
The examples of Restructures given on our Website are indicative of some of the resolutions being offered by our clients’ lenders. Each file is assessed on a case-by-case basis some of the given examples may not apply in your current situation
WARNING: YOU MAY STILL HAVE DEBT OUTSTANDING AFTER COMPLETING THE DEBT MANAGEMENT PROCESS
We now have kept our home. We are now safe and making our payments. We are over the moon. There is simply not enough coverage about the work those girls do. We have all fallen on hard times and when your pride is dented or people may “judge” it can become a downwards spiral. We need to spread the word, make that call, tell a friend…..I will never be able to thank the Financial Foundation enough, especially Rosey for everything they have done. They don’t judge they don’t tar everyone with the same brush they deal with individuals. We are not and never will be millionaires but to me, our happiness is priceless. Thanks so much again for all you have done for us.”
CH, Drogheda – January 2017
A Happy Client
ALL OUR WONDERFUL OPINIONS
We have a vast amount of knowledge in relation to debts and restructuring and we would like to share with you some of our observations. We would greatly appreciate if you would share and like these blogs posts.
Helping those in Mortgage Distress
Roslynn Doherty was born and raised in Drogheda and is the founder of an Irish debt management company, the Financial Foundation, specialising in Mortgage Arrears and Repossession Orders. “I help people in mortgage distress to engage with their lenders. More
Advantages and Disadvantages of ARAs
There are a lot of options available to our customers in terms of repayment schemes, and there are numerous advantages and disadvantages to these. So let us guide you through some of the Alternative Repayment Arrangements (ARAs). Term Extension This is
Short Term Arrangements
In this week’s article we discuss the advantages and disadvantages of short term arrangements that some lenders may be agreeable to after we negotiate with them on your behalf. Interest only Restructure You only pay the interest on your mortgage