The best thing you can do with any mortgage arrears is to pay them back in full. If you are unable to do that, we may be able to help you but we will need to get some up to date information from you. We collect this information through a Standard Financial Statement, or SFS. This form allows you to set out your current financial circumstances and gives us, and you, a clear picture of your financial situation.
The SFS form is quite long and detailed and can take quite some time to fill out, but it is the only way to get a clear picture of your finances. You’ll also have to give us other documents such as bank statements and wage slips to support the SFS information. Some customers have told us that they get quite a sense of relief once they complete it.
You can download the form below. There’s also a handy user guide to help you.
Many of our customers prefer to call one of us to get some help completing the form. It takes on average 44 minutes to complete, but many manage it in less than that. If at any point you feel you’d like help, just call us.