The Central Bank has informed me that it is aware that in many circumstances borrowers with mortgage arrears are being asked to assess their scope for increasing debt repayment capacity through prioritisation of their debts and adjustment of living expenses, noting the particular consequences of non-payment of a mortgage on the family home. Many borrowers with home mortgage arrears also have significant other debts (including investment properties and personal debts such as credit union, credit card or bank loans). Agreeing a restructure on a mortgage is often not sustainable unless the borrower’s full financial position is considered by all lenders.