The number of mortgages in arrears is continuing to fall, according to new figures from the Central Bank.
Up to 136,564 accounts, or 17.9%, of the total number were in some form of arrears at the end of last year.
It compares to a level of 18.4% at the end of the third quarter of 2013.
The Central Bank numbers show that mortgages in arrears of less than 90 days fell by 5.7%.
Accounts behind in repayments by more than 90 days dropped by 2.3% - the first such fall since September 2009.
However, the number of mortgages in very long term arrears - more than 720 days - increased by more than 1,700.