The number of restructured mortgage accounts continues to rise as arrangements are put in place to deal with arrears built up in the wake of the crash.

Figures from the Department of Finance show agreements between consumers and the State's six main banks resulted in 75,605 permanent mortgage restructures by the end of July.

This represented an increase of 2,786 on the previous month and 10,754 on the total recorded at the end of March.

However, the department’s figures detected a slight rise in the number of accounts in arrears in the less than 90 days category, which rose from 30,342 to 30,921.

The number of mortgage accounts behind in their payments for greater than 90 days fell from 72,897 to 71,300.

The department compiles its figures using data from the country's six main mortgage providers - AIB, Bank of Ireland, PTSB, ACC, KBC Ireland and Ulster Bank, which covers 90 per cent of the mortgage market.

They show that the number of split mortgages, where part of the mortgage is put aside for a fixed term, continues to increase with 15,248 split mortgages in place at the end of July, an increase of 1,090 on the previous month.

The number owner-occupier accounts in arrears of more than 90 days and not restructured has fallen from 62,210 at the end of August last year when the series began, to 50,823 accounts at the end of July this year.

The number of buy-to-let mortgage accounts in arrears at the end of July fell only slightly to 33,185 from 33,347 the previous month

The number of accounts in arrears of greater than 90 days fell by 97 accounts in July, and by 359 accounts when compared with the end of the first quarter.

Engagement between consumers and lenders has led to 14,239 permanent restructures of buy-to-let accounts, an increase of 396 accounts on the previous month and 1,652 on the first quarter.

The high level of mortgage arrears in this category has been highlighted as a major risk factor for the banks.

Permanent restructures for those buy-to-let accounts in arrears of greater than 90 days show a negligible increase but when compared to the end of March, this category increased by 434 accounts.

The banks also reported that they now have 4,648 rent receivers in place.