BTL Mortgage Arrears, Restructures and Repossessions


#81

**BTL Mortgage Arrears, Restructures and Repossessions Q4 2015 figures **

(Note 1: Residential figures are discussed separately here viewtopic.php?f=10&t=44532&start=2880)
(Note 2: Analysis of Restructured Mortgages can be found here viewtopic.php?f=19&t=63422)

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centralbank.ie/polstats/stat … istics.pdf

Arrears

Repossessions

Restructures

Where Green = highest since records began and Blue = Lowest since records began


#82

**BTL Mortgage Arrears, Restructures and Repossessions Q1 2016 figures **

(Note 1: Residential figures are discussed separately here viewtopic.php?f=10&t=44532&start=2880)
(Note 2: Analysis of Restructured Mortgages can be found here viewtopic.php?f=19&t=63422)

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centralbank.ie/press-area/pr … 12016.aspx

Arrears

Repossessions

Restructures


Where Green = highest since records began and Blue = Lowest since


#83

I see that although the number of residential arrears cases has continued to drop, the total monetary amount of arrears has increased for the first time since 2014. This has occurred in the >720 days category, but also slight increases in the <90 and <180 days categories. See graph here (note: residential only, not BTL).

Shouldn’t this number be going down, not only because of general improvements but because arrears capitalisation is one of the available (and as far as I know, more common) restructuring arrangements?


#84

My own theory is as follows:

Large chunks of people got in difficulty 2009 and 2013.

Once the labour market picked up those in ‘circumstancial’ arrears engaged and started repaying, using the odd lump sum to get back on track.

Those who could not or would not just stayed on strike.

Most of those <90 days now are in temporary spells of low income and will solve itself once individual circumstances improve. With risk of reposession at zero it is much cheaper to use your mortgage like an overdraft or credit card.

Meanwhile the ‘would not or could not’ group has stayed growing. Courts will not make orders for possession. Banks will not allow write downs either.


#85

Updated chart shows PDH or BTL.
The total arrears amount on buy-to-lets is also up in all categories except 360-720 days.


#86

**BTL Mortgage Arrears, Restructures and Repossessions Q1 2016 figures **

(Note 1: Residential figures are discussed separately here viewtopic.php?f=10&t=44532&start=2880)
(Note 2: Analysis of Restructured Mortgages can be found here viewtopic.php?f=19&t=63422)

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centralbank.ie/polstats/stat … istics.pdf

Arrears

Repossessions

Restructures


Where Green = highest since records began and Blue = Lowest since records began


#87

Further analysis of BTL mortgage restructures to Q2 2016 per CB




#88

**BTL Mortgage Arrears, Restructures and Repossessions Q3 2016 figures **

(Note 1: Residential figures are discussed separately here viewtopic.php?f=10&t=44532&start=2880)
(Note 2: Analysis of Restructured Mortgages can be found here viewtopic.php?f=19&t=63422)

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centralbank.ie/press-area/pr … 32016.aspx

Arrears

Repossessions

Restructures

Where Green = highest since records began and Blue = Lowest since records began


#89

Latest CB BTL mortgage restructures figures to Q3 2016




#90

**BTL Mortgage Arrears, Restructures and Repossessions Q4 2016 figures **

(Note 1: Residential figures are discussed separately here viewtopic.php?f=10&t=44532&start=2880)
(Note 2: Analysis of Restructured Mortgages can be found here viewtopic.php?f=19&t=63422)

Report Link
centralbank.ie/polstats/stat … istics.pdf

Arrears

Repossessions

Restructures

Where Green = highest since records began and Blue = Lowest since records began


#91

**BTL Mortgage Arrears, Restructures and Repossessions Q1 2017 figures **

(Note 1: Residential figures are discussed separately here viewtopic.php?f=10&t=44532&start=2880)
(Note 2: Analysis of Restructured Mortgages can be found here viewtopic.php?f=19&t=63422)

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centralbank.ie/statistics/d … ge-arrears

Arrears

Repossessions

Restructures

Where Green = highest since records began and Blue = Lowest since records began


#92

Permanent TSB offering to write off mortgages for landlords
irishexaminer.com/breakingne … 04800.html


#93

I’m expecting the Q2 2017 CB Arrears figures to come out this week


#94

**BTL Mortgage Arrears, Restructures and Repossessions Q2 2017 figures **

(Note 1: Residential figures are discussed separately here viewtopic.php?f=10&t=44532&start=2880)
(Note 2: Analysis of Restructured Mortgages can be found here viewtopic.php?f=19&t=63422)

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centralbank.ie/docs/default … f?sfvrsn=7

Arrears

Repossessions

Restructures

Where Green = highest since records began and Blue = Lowest since records began


#95

Galway Circuit Court will today hear 82 repossession cases of principal home dwellings and BTL properties.
The Galway Housing Action Group will hold a rally outside the courts
advertiser.ie/galway/article … ases-today


#96

**BTL Mortgage Arrears, Restructures and Repossessions Q3 2017 figures **

(Note 1: Residential figures are discussed separately here viewtopic.php?f=10&t=44532&start=2880)
(Note 2: Analysis of Restructured Mortgages can be found here viewtopic.php?f=19&t=63422)

Report Link
centralbank.ie/docs/default … f?sfvrsn=5

Arrears

Repossessions

Restructures


Where Green = highest since records began and Blue = Lowest since records began


#97

**BTL Mortgage Arrears, Restructures and Repossessions Q4 2017 figures **

(Note 1: Residential figures are discussed separately here viewtopic.php?f=10&t=44532&start=2880)
(Note 2: Analysis of Restructured Mortgages can be found here viewtopic.php?f=19&t=63422)

Report Link
centralbank.ie/docs/default … f?sfvrsn=4

Arrears

Repossessions

Restructures

Where Green = highest since records began and Blue = Lowest since records began


#98

**BTL Mortgage Arrears, Restructures and Repossessions Q1 2018 figures **

(Note 1: Residential figures are discussed separately here viewtopic.php?f=10&t=44532&start=2880)
(Note 2: Analysis of Restructured Mortgages can be found here viewtopic.php?f=19&t=63422)

Report Link
centralbank.ie/docs/default … f?sfvrsn=9

Arrears

Repossessions

Restructures


Where Green = highest since records began and Blue = Lowest since records began


#99

**BTL Mortgage Arrears, Restructures and Repossessions Q2 2018 figures **

(Note 1: Residential figures are discussed separately here thepropertypin.com/viewtopic … start=2880)
(Note 2: Analysis of Restructured Mortgages can be found here thepropertypin.com/viewtopic … 19&t=63422)

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centralbank.ie/docs/default … f?sfvrsn=4

Arrears

Repossessions

Restructures

Where Green = highest since records began and Blue = Lowest since records began


#100

Appreciable decline in numbers of BTL properties voluntarily surrendered or seized on foot of a court order in 2018.

Combined rate seems to be running at about 2,000 a year.

Only 14,000 BTLs in arrears over 360 days to go.