Is your mortgage now owned by a Vulture Fund?
Thousands of Irish homeowners are trapped in unfair mortgages sold to debt funds. European law gives you powerful rights to challenge these terms — and we help you use them.
What's your situation?
Select the option that best describes where you are right now. We'll guide you to the right next steps.
You are not expected to be a lawyer
Most people feel overwhelmed when legal letters arrive. That's normal.
What matters now is taking the right next step — before it's too late.
Possession Order
A court has granted a possession order on your home, or enforcement is imminent.
Legal Threat
You've received a Civil Bill or legal correspondence threatening court action.
Struggling to Pay
You're in arrears or finding it increasingly difficult to meet your mortgage payments.
Take Back Control
We help you take action
You don't have to face vulture funds alone. Our platform gives you the tools, expertise, and support to challenge unfair mortgage terms and protect your home.
- Challenge Unfair Terms
- European consumer law protects you from unfair contract terms. We help you identify and challenge them.
- Expert Banking Analysis
- Get your mortgage reviewed by experienced banking professionals who understand lender practices.
- FSPO Complaint Support
- We prepare robust complaints to the Financial Services and Pensions Ombudsman on your behalf.
- Court-Ready Documentation
- If needed, we provide documentation formatted for court proceedings — no complex drafting required.
This is your right under European law
If your mortgage contains Unfair Terms, the Court must examine them before action is taken against you.
Most people never raise this — and lose without ever being heard.
How it works
Four simple steps to protecting your home
Register
Sign up free and provide your basic mortgage details. It takes less than 5 minutes.
Get Assessed
Our banking experts review your mortgage for indicators of mis-selling and unfair terms.
Clear Next Steps
Receive a personalised action plan with documentation ready for your situation.
Take Control
Use our support to file complaints, challenge terms, and protect your home.
Check your mortgage for free
Need help now?
If you are already dealing with legal action or court:
Legal Protect — Your options
Basic
Free
No Win, No Fee
Silver
€49/month
Support under legal threat
Gold
€99/month
Full court support
Cancel anytime.