Financial difficulties Mortages

Financial difficulties - Mortgages

Financial difficulties mortgages

Credit cards & personal loans

Click here for help with concerns around meeting your repayments on your credit card or personal loan.


What do I do if I fear missing a repayment ?

If you have missed a mortgage repayment or fear that you might not be able to make repayments in the future, we are here to help.

If you have missed a payment, and you are able to repay the missed payment, it’s best to do so as soon as you can to avoid any impact to your credit rating.

We understand that our customers may face challenging times so if you are finding it difficult, your first step is to call us on 0818 274 089, where we have a dedicated team available to help you from 09:00 to 17:30 Monday to Friday (excluding bank holidays).

The next step will be to complete our Standard Financial Statement (SFS) which you can find here. You will also be required to provide documents such as bank statements and wage slips.

If you require help in completing this document, please call our helpline on 0818 274 089 or alternatively visit the following link at the Central Bank of Ireland.

Once we receive these documents we will review and set out what solution may be available to deal with your mortgage arrears.

Mortgages Arrears Resolution Process

To find out more about our Mortgage Arrears Resolution Process please download our guide here.

For independent debt advice, you may find the services below of help.

Insolvency Service of Ireland

The Insolvency Service of Ireland (ISI) is an independent government body with a range of solutions to problem debt. It has a network of qualified professionals that can help you get back on track. Visit, call 076 106 4200 or text GETHELP to 50015.


Abhaile is a State-funded service to help homeowners find a resolution to home mortgage arrears. It provides vouchers for free financial and legal advice and help from experts for those who qualify, which are available through Money Advice and Budgeting Service (MABS). A dedicated adviser will work with you and your lender to find the best solution for your situation. Visit or call 076 107 2000.

Information about our mortgage loans and interest rate options can also be found on our website or by calling our dedicated team on 0818 274 089. Our offices are open 09:00 to 17:30 Monday to Friday (excluding Bank Holidays). We would be delighted to assist you at any stage.

Fees and charges

For detailed information on fees and charges applicable to your mortgage account, please refer to our guide to Fees and Charges.