— RECENT AND UPCOMING CHANGES —

You can visit our useful forms page (overpayment form) or call us on 0818 300 128, Monday to Friday between 9.00 and 17.00 (except bank holidays). If you are calling us from abroad, please dial +353 (818) 300 128. Alternatively, you can visit your local EBS office.

If we didn’t hear from you by the date in your letter, we applied Option 1 (where you continue to pay a similar monthly amount, and we reduced your mortgage term). This most closely matched the way you already paid your mortgage.

This was the end date of your mortgage contract with us. This will be the term that you accepted in your Letter of Offer when you took out your mortgage, provided you have not reduced or extended your term in the meantime. If you picked option 2 this will be when your mortgage ends.

This was your scheduled maturity date based on your overpayment, mortgage balance, interest rate and term. It is different to your contracted maturity/end date because you made overpayments. If you picked option 1. option 2 or option 1 was applied because you didn't select an option this will be when your mortgage ends.

Your repayment will always increase or decrease in line with all interest rate changes on your mortgage account. If this happens, we will write to you to confirm your new repayment amount. Of course, there is also a range of interest rate options available to you. Details of these are available on our mortgage interest rates page.

We wrote to you to confirm your full repayment amount, including any insurance premiums you normally pay with your mortgage repayment, based on your preferred choice (or based on Option 1 if you didn’t select an option).

No. If you pay your mortgage by direct debit, you don’t need to change anything.

Yes. If you pay your mortgage by standing order, you will need to contact your bank to update your standing order with the new amount.

Yes. This option is still available.

You still have to pay your missed repayments.

If you need any help, you can contact our Arrears Support Unit on 0818 330 044 Monday - Friday (except bank holidays) between 9:00 and 17:00 and Saturdays between 9:00 and 13:00. If you are calling us from abroad, please dial +353 (1) 665 8010.

With Option 1, you can ask us to change back to the end date in your contract in the future. To do this, we will need to assess your repayment options at that time. If you have a split loan, have missed repayments or are experiencing financial difficulties, we will need you to complete a Standard Financial Statement, provide the necessary supporting documents and we may require an up-to-date valuation.

To discuss this option, you can call us on 0818 300 128 Monday to Friday between 9.00 and 17.00 (except bank holidays). If you are calling us from abroad, please dial +353 (818) 300 128. Alternatively, you can visit your local EBS office.

If you are concerned about your mortgage repayments, you can call our dedicated Arrears Support Unit on 0818 330 044, Monday to Friday between 9.00 and 17.00 or Saturday between 9.00 and 13.00 (except bank holidays). If you are calling us from abroad, please dial +353 (1) 665 8010.

Alternatively, you can visit our worried about payments page..

If you need any additional support, we’re here to help. You can call us on 0818 300 107, Monday to Friday between 9.00 and 17.00 (except bank holidays). If you are calling us from abroad, please dial +353 (818) 300 107. You can also visit our additional support page or our local EBS office.

If you have a question about anything in your letter or want to complain, you can call us on 0818 300 128 Monday - Friday between 9:00 and 17:00 (except bank holidays). If you are calling us from abroad, please dial +353 (818) 300 128.