Applying while pregnant
Lenders look at what you'll earn, so they may ask about maternity leave and when you go back. Being upfront avoids delays.
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Paying while on leave
If Maternity Benefit is less than your pay, work out the repayment gap before your leave starts and see where it comes from.
Lullagram · lullagram.ie/moneyIf you might miss a payment
Talk to your lender before you miss one. For a mortgage on your home, the Central Bank's Code of Conduct on Mortgage Arrears says how your lender must deal with you.
Lullagram · lullagram.ie/moneyFree help
MABS gives free, confidential help with mortgage arrears on 0818 07 2000. Abhaile, a free State service through MABS, helps people at risk of losing their home.
Lullagram · lullagram.ie/moneyYour next step
Find your repayment and your mortgage protection policy now, while things are calm, so you know where you stand.
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Your pay gap on maternity leave
Your take-home pay against Maternity Benefit, a month and over the leave. All free Lullagram tools
Your family's money dates, in Lullagram.
Free reminders before every payment and deadline, from pregnancy to your child's 2nd birthday, plus your pregnancy and baby tracker in one app. Made in Ireland.
Sources, checked 27 October 2026: MABS, MABS. General information, not financial advice; it doesn't know your circumstances. Lullagram Limited isn't authorised by the Central Bank of Ireland to give financial advice, so for a decision about your own money, talk to a regulated adviser.