A number of longer term forbearance /modification arrangements have been introduced by mortgage lenders. These arrangements include mortgage to rent, trade down mortgages, split mortgages, equity participation, interest rate reduction and sale by agreement. The majority of lenders have introduced, or are in the process of introducing, a split mortgage arrangement. The most recently published Central Bank mortgage arrears and repossession statistics, which are for the quarter ending December 2012, are attached and indicates that 52 PDH split mortgage arrangements applied at that point. However, the Central Bank is not in a position, due to reasons of confidentiality, to provide such data in respect of individual institutions. http://www.centralbank.ie/press-area/press-releases/Pages/ResidentialMortgageArrearsandRepossessionsStatisticsQ42012.aspx.