A.E.M.A.

Mortgage Restructuring

Members of the Association of Expert Mortgage Advisers (AEMA) provide mortgage negotiation and debt restructuring services (for both Home owners and Property Investors) and act as an independent external partner working for the benefit of their client in dealing with their client's bank(s).

Our members are experienced and informed regarding the new Personal Insolvency Act and the various Central Bank Codes of Conduct for Mortgage Arrears, including the MARP (Mortgage Arrears Resolution Process), which all Lenders are required to abide by when dealing with mortgage arrears.

 

Our members will ensure that their clients have access to the latest solutions included in the new Personal Insolvency Act & the Mortgage Arrears Resolution Process (MARP) to tailor a specific mortgage solution to allow their clients make the right decisions to help set them on the road to financial recovery and eliminate the emotional burden associated with telephone calls, letters and the threat of action from their Lenders.

 

As qualified & experienced financial professionals our members will negotiate with your bank(s) to accept alternative short-term repayments such as payment breaks, interest only, reduced interest only and reduced capital and interest repayments to assist you in recovering from a short-term financial difficulty such as loss or reduction of income.

 

Alternatively they will also advise and negotiate on long term solutions such as Split Mortgages, Trading Down/Negative Equity Mortgages, Mortgage to Rent Schemes and other solutions as they are introduced, to assist Mortgage holders who are in financial difficulty and are looking for a long term solution to their financial difficulties.

 

The Benefits of dealing with a member of AEMA:

• • They help to stop those worrying phone calls and threatening letters
• • They will advise on the most appropriate solutions to get their clients back on track
• • They will negotiate with the Banks to ensure the solution is agreed
• • They will help to monitor and control their client’s finances going forward
• • Banks take a lot of comfort when the individuals concerned seek external assistance with their financial difficulties as their client is getting independent professional advice
• • Banks are often in a difficult position as lender & relationship manager - the same person playing two roles
• • Our members are all qualified professional mortgage experts who are independent specialists who act as a mediator between the Client and their Bank

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Insolvency Bill   Personal Debt