Frequently Asked Questions
We have listed and answered the most regularly asked questions about our loan accounts. If you do not find the answer you need here please contact us.
How do I pay my Loan?
Loan payments can be made in the following ways:
- Sepa Direct Debit. This differs from standing orders in that you are instructing your bank to deduct variable amounts form your bank account every month. If you would like to set up a direct debit to repay your loan, please print and fill out the SEPA Direct Debit Form and send it back to us. Our contact details are at the end of this page. By signing the instruction to your bank, you are acknowledging that the monthly instalment will be debited from your bank on the 1st of every month.
- Standing Order. To pay by Standing Order through your bank, print and fill out the Loans Standing Order Form and send it to your bank.
- Post office – Payments of certain loans(Accounts numbers beginning with letters S,T & V) can be made at the post office free of charge and must be made using a payment card available from our Loan Accounts Section.
- Payments office: Payments can be made by cash, cheque, bank draft, and credit & laser card. You can post cheques or drop into our payment office in County Hall, Swords, Co. Dublin or at Grove Road, Blanchardstown, Dublin 15.
- Phone payments: If you wish to pay by credit or laser card, please call our payments office.
Telephone: (01) 8905309 or (01) 8905154.
The payments office is open from 9.30am to 3.30pm Monday to Friday.
How Do I Make A Lump Sum Payment?
- The minimum lump sum that you can pay is €1,000.00. If you make a Lump sum payment, your monthly payment will be reduced; your loan term remains unchanged. There are no penalties in making a lump sum payment. If you want to make a Lump Sum payment, please contact us, you will also need to complete a Lump Sum payment request form. Lump Sum Payment Form 2015
How Do I Check My Loan Balance?
If you want to check your loan balance (redemption figures) you need to print and fill out a Redemption Quotation Form, and send it back to us. Our contact details are at the end of this page. We will post a copy of your balance (redemption figures) to you within 3 to 5 working days.
I Want To Buy Out My Rented Equity (Rented Portion of Your Shared Ownership Loan)
If you bought a home under our Affordable/Shared Ownership Scheme you may qualify to convert the rented portion of your loan to a full mortgage. To apply, you need to print and fill out an Application to Transfer Rented Equity to Mortgage Form and send it back to us. Our contact details are at the end of this page.
I Want To Sell My Affordable Home
If you want to sell your affordable home you need to let us know in writing. Please include details of your estate agent and the asking price. When we receive and approve a copy of the signed sale agreed contract from you solicitor,we will then post a copy of your balance (redemption figures), including clawback figures. Our contact details are at the end of this page.
How Is The Clawback Calculated?
When you bought your affordable home, you got it at a discount to other similar properties on the market. The clawback is based on the percentage discount you got when you bought your affordable home. If you decide to sell your home, we apply this percentage to the price you get for the sale, depending on the current value of the property. Depending on the value of your property when you sell it, the calculation of the clawback may vary. You can also read our Living in an Affordable Home and Clawback Leaflet.
Can I Rent My Affordable Property?
We allow you to rent your affordable property in certain circumstances, for instance should you take up employment abroad. To apply, you need to print and fill out an Application for Consent to Let an Affordable Property Form and send it back to us. Our contact details are at the end of this page.
Can I get A Statement for My Mortgage Account?
We will post a mortgage statement out to you once a year, usually in January/February. However, you can request a statement at any time by contacting us. Our contact details are at the end of this page.
My Account is in Credit/Overpayment, What Can I Do?
To apply to have your credit/overpayment paid off your outstanding loan balance, you need to print and fill out a Captialise Overpayment Request Form and send it back to us. Our contact details are at the end of this page.
By Post: Fingal County Council
Loan Accounts Section
By Telephone: (01) 8905590
By Email: [email protected]