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.


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

We understand that many of our customers may face challenging times at some point in their mortgage term and we are here to help our customers get back on track.

If you have missed a payment, you may already have received a letter or email from us. If you are in a position to repay the missed payment, it’s best to do so as soon as you can to avoid any impact to your credit rating.

If you are finding it difficult, the next step is to call us, on 0818 274 089 so we can help.

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.

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

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

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 organisation with a range of solutions to problem debt. It has a network of qualified professionals that can help you get back on track.

Phone: 076 106 4200 or text GETHELP to 50015.

Website: www.backontrack.ie.


Abhaile Abhaile is a new 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, which are available through MABS. A dedicated adviser will work with you and your lender to find the best solution for your situation.

Phone: 076 107 2000.

Website: www.mabs.ie.