Paying Your Mortgage

Changes to our service

We have recently moved onto a new system and consequently we have simplified the way that you pay your mortgage. You are no longer required to login to a Payment Portal; now you will just need to type in your account number and surname.

We will be enhancing this system over the coming months to provide an improved level of mortgage account & payment information.

We hope you will find the new system easier and quicker to use.

Paying your mortgage

Mars Capital allows customers to make payments to their mortgage at any time during the calendar month in which it is due. There are a number of ways which you can pay.

Direct Debit Payment

We recommend that you pay by direct debit to guarantee that payments reach your mortgage account on time each month.

Please contact us if you wish to arrange to pay by Direct Debit.

Debit card payment via telephone:

• If you are an Oak Customer, please call LoCall 1800 852 940 [or, if calling from abroad, +353 1 267 8033]

• If you are a Warrington Customer, please call LoCall 1800 816 121 [or, if calling from abroad, +353 1 526 8580]

• If you are a Snow Customer, please call LoCall 1800 816 207 [or, calling from abroad, +353 1 525 5624]

• If you are a Barrow / Bullet Customer, please call LoCall 1800 816 295 [or, calling from abroad, +353 1 7604704]

If you are unsure where your account is managed, please contact us at info@marscapital.ie with your account details and we’ll you put you in contact with the relevant area. You can also refer to any recent correspondence we have sent you which will include the appropriate contact details.

Debit card online (by accepting the below terms and conditions)

Before you proceed to making your payment, please read the below Terms & Conditions. By using this online facility, you confirm that you accept these terms and conditions.

Online Mortgage Payment Terms & Conditions

• Mars Capital will only accept payments by debit card. Credit card payments are not acceptable.

• The debit card must be in your name and registered at the address, which we hold on file.

• Third Party Payments: Mars Capital does not accept payments from a third party not named on the mortgage account.

• We cannot accept liability for a payment not reaching the correct account due to you entering incorrect information.

• Payments are credited to your mortgage account upon successful completion of the transaction. An email notification will be sent immediately for both successful and declined payments.

• In no event, either in Tort or Contract, will Mars Capital Finance Ireland DAC be liable for damages arising from the use of, or inability of the user to use, this site.

• Refunds / Cancellations: If you wish to cancel the payment or feel you are owed a refund please contact us

Click here to accept the Terms & Conditions and proceed to the payment page: Accept

Standing Order

These should be arranged through the relevant financial institution where your billing account is located.

Cheques or Postal Orders

Cheque or Postal Order made payable to Mars Capital and sent to our address.

Bank Transfer

Bank transfer via your online banking or via paying-in slip at your bank – please contact us for the correct bank account details.

Ensuring Your Payments Arrive on Time

Although payment flexibility is provided to allow customers to choose when and how to pay, it is important to highlight that should you choose to pay at month end by any other method than direct debit, payment may not reach us on time. Please note that if we do not receive your payment within the calendar month in which it is due your credit file may be adversely affected.

If you pay your mortgage by online transfer from your bank or building society on a weekend or bank holiday at the end of the month, your payment is NOT guaranteed to arrive in time to be credited to your account within the same month. To ensure we receive payment on time we recommend that you make your payment no later than 2 business days before the end of the month in which it is due.