Fill in the instruction form and return it by the date in your letter. Please make sure everyone on the mortgage signs the form. If we don’t hear from you by the date in your letter, we will apply Option 1 (where you continue to pay a similar monthly amount, and we will reduce your mortgage term). This most closely matches the way you pay your mortgage today and will reduce your cost of credit.

If option 1 is applied, your record in the Central Credit Register will also be updated to reflect a revised maturity date.

We are in the process of upgrading our mortgage system. In the future this will result in enhanced features, as well as more flexibility and transparency for our customers. As a result of this upgrade, you will no longer be able to make overpayments in the way you have been.

You can visit our website ebs.ie/useful-forms (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 don’t hear from you by the date in your letter, we will apply Option 1 (where you continue to pay a similar monthly amount, and we will reduce your mortgage term). This most closely matches the way you pay your mortgage today.

This is 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 pick option 2 this will be when your mortgage ends.

This is your scheduled maturity date based on your current overpayment, mortgage balance, interest rate and term. It is different to your contracted maturity/end date because you make overpayments. If you pick option 1 this will be when your mortgage ends.

No. With both options, 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 website: ebs.ie/mortgages/mortgage-interest-rates.

We will write to you again 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 don’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 website at ebs.ie/worried-about-payments.

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 website at ebs.ie/support/additional-support-for-our-customers 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.