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How It Works

Our STAY IN YOUR HOME Solution allows you to transfer the title deed of your property along with 100% of your mortgage debt and arrears to ARIZUN.

·       We guarantee you a long-term lease on the property at a fair rent agreed in advance.

·       We handle all negotiations with your current lender to make the whole process as
       smooth as possible.

·       You have full flexibility throughout your lease and can move on at any time.

·       What’s more, you have the option to buy back your home and share in any increase in its
       value should your circumstances change.

The ARIZUN STAY IN YOUR HOME Solution means you can emerge from debt stress-free and get on with your life.

 

FOUR SIMPLE STEPS

1.     Tell us about your situation.

2.     ARIZUN negotiate with your current lender to purchase your mortgage.

3.     If successful, we provide you with a long-term lease at a rent agreed in advance.

4.     You can get on with life with the option to buy back your home should your
       circumstances change.

 

TAKING THAT FIRST STEP

We can’t guarantee that our solution will work for every home or homeowner but the first step is easy. Let us know a few details about your situation and we’ll do our very best to make it work for you. Take a minute to fill in our First Step Form and a member of our Customer Care Team will be in touch with you directly.


MAKE ME DEBT FREE      

 

 

Arizun Solution

100% Mortgage Debt Relief is possible!


The Arizun Solution to your Mortgage Arrears Problem

Our representatives will explain in detail the steps required to participate in the Scheme:
  • You will participate in a financial assessment with a member of the Arizun team
  • They will outline the possibilities available to you
  • Once you have decided on the Arizun solution most suitable for you, you then transfer the title to your property to the Arizun Fund
  • In exchange for the transfer, we write off your mortgage in full

Stay in your home and avail of rental assistance, if you qualify, by way of the Mortgage to Rent (MTR) Programme provided by Arizun with a purchase option.

You are in mortgage arrears, your mortgage is included in a portfolio to be transferred to Arizun, and you want to stay in your home - you decide to enter into the Arizun MTR Programme.
Stay in your home and avail of Arizun Private Rental Scheme (PRS) with a Purchase Option.
If you do not qualify for the MTR Scheme you can stay in your home under a long term lease, at market rent through the Arizun Private Rental Scheme with the opportunity of a purchase option should you so wish.
Staying in your own home
(Options 1 & 2)

Arizun is committed to helping you to continue to live in your own home – that’s the big difference between us and other financial service providers.

We give you the opportunity to sign a 20 year lease which provides security of tenure.
We allow you to secure an option to buy back your home within Years 6 and 7 of your lease period if you so wish.
The lease on your house will be at a market rate and, if you decide to buy back the house, the price you will pay is the market value at the time of purchase.
If the value of your home increases between the time you enter into the scheme and the time you buy back your home, you will share in any increase in value to use towards your deposit.

The above steps are an overview only. Please see the Frequently Asked Questions (FAQ) Section where we have anticipated some questions you may have about the Scheme. 
You are in mortgage arrears and you want to stay in your home
If you would like to know more, contact the 
Arizun Team through our enquiries form
 
Move on. Mortgage Debt Free.
You wish to take advantage of the Arizun Mortgage Debt Resolution Scheme but you do not want to stay in your home after you are free of your mortgage debt
Arizun Solution 
Our representative will explain what choosing this option means for you. If you decide that you want to leave your home, here is what you can expect to happen:
  • You transfer the title of the property to the Arizun Fund
  • Once the transfer is complete, your mortgage debt including any arrears on the property will be written-off in full and will no longer be a concern for you and your family
Please see the FAQ page where we have anticipated some questions you may have.
You do not want to stay in your home after
you are free of your mortgage debt.

If you would like to know more, contact the
Arizun Team through our enquiries form
The Arizun Mortgage Debt Resolution Scheme can only be applied to an individual home once the Arizun Funds have acquired a portfolio of mortgages from a European financial institution which includes the mortgage currently held over the individual home. Arizun cannot guarantee that any individual home or homeowner will be allowed access to the Arizun Mortgage Debt Resolution Scheme, but if you like our programme let us and your bank know about your interest.