Loans, Sales and Mortgage Support

Your information is collected to assess and process Loan Applications, maintain and manage Loan Accounts and assess mortgage arrears due to Dublin City Council.

The legal basis for processing the information is the mortgage you applied for to Dublin City Council under the Housing (Rebuilding Ireland Home Loans) Regulations 2018 and for maintaining existing loans or processing mortgages which are now being managed under the Mortgage Arrears Resolution Process (MARP)

Information provided by you may be shared with:

  1. The Housing Agency for underwriting purposes.
  2. Central Credit Register and Irish Credit Bureau for credit checks on applicants and mortgage holders and reporting on the performance of Loans.
  3. Law searchers regarding judgement checks on potential borrowers
  4. Approved Housing Bodies for Affordable Housing applicants
  5. Gemini Consultants to maintain the Loans Management System, Cygnus.
  6. Marsh Ireland Ltd., Underwrites for Utmost PanEurope for Mortgage Protection Insurance.
  7. An Post, Banks, Building Societies, Credit Unions to facilitate payment of mortgages.
  8. Money, Advice and Budgeting Service (MABS)
  9. Independent budgeting service providers engaged directly by borrowers.
  10. Insolvency Service of Ireland
  11. Dublin City Councillors acting on behalf of borrowers with written consent.
  12. Other Dublin City Council Departments  – Housing Allocations, Housing Maintenance, Differential Rents, Housing Finance, Housing Management Services, Local Area Offices, Law Department and Valuer’s Department
  13. An Garda Siochana for Estate Management checks.
  14. Independent Solicitors, Estate Agents, Valuers, Surveyors and Debt Advisors engaged by borrowers.
  15. Department of Housing, Planning and Local Government, Department of Revenue

In the case of mortgage applications which are subsequently cancelled, your information is retained for 1 year after application.

In the case of existing mortgage holders, your information is retained for 7 years after mortgage is redeemed.

Your information is retained for 7 years after you redeem your mortgage unless there is ongoing debt collection in which case your information will be kept until monies owing are paid in full.

In the case of Mortgage to Rent Scheme (residual debt owing) your information is retained until the residual debt is paid off or 15 years has elapsed whichever occurs first.

In the case of Mortgage to Rent Scheme (positive equity credit on rent account) your information is retained until the rent equity credit is used up or 15 years has elapsed whichever occurs first.