Missed a payment?

Now is the time to make a plan

If you’ve already missed a payment you may have received a call, letter, text or email from us. Don’t ignore the situation - arrears tend to get worse if you do nothing. The best thing you can do is to pay back the missed payments as soon as you can. While you are in arrears your credit rating may be affected which means it may be more difficult for you to get a loan in the future.

Often a good way to do this is to set up a direct debit if you haven’t one already. When you pay by direct debit you know your payments will be made on the same day every month, so you don’t have the hassle of calling into the branch.

If you can’t clear the arrears on your mortgage you should call us as soon as you can. We’ll let you know what you need to do next. You may need to fill out a Standard Financial Statement (SFS). The SFS is a detailed form which lists all your income and expenses and helps us decide if we can offer you an alternative repayment arrangement. We won’t know which arrangement we can offer you unless we have a completed SFS and any other documents we ask you for such as bank statements. Click here to find out more about the SFS. You can also find some helpful information on our FAQ page.

What to do if you've missed a mortgage payment


You are not alone, some of these stories might sound familiar

Everyone’s story is slightly different, and while these aren’t the names of real customers, some stories might ring a bell. If they do, then you should take action as soon as possible. The best way of avoiding a big problem is to tackle it while it is still a manageable problem.

Greg and Susan’s story

Greg and Susan were separated, and Greg no longer lived at the family home. They still had a joint mortgage but because of lower incomes, their mortgage went into arrears. Greg and Susan both filled out the Online SFS separately. Then we were able to work out an arrangement where they paid reduced monthly payments. It was going to take a little while longer to pay off their mortgage, but it meant they could get their mortgage back on track. If you’re behind on your mortgage and can’t catch up on your payments, you should fill out a SFS form as soon as you can.

Killian’s story

Killian has a mortgage with us. He was always good with managing money and put it aside for everything he needed. Killian is very busy with family and work. Because of this he can’t always get to the local branch to pay the mortgage. Killian rang us to set up a direct debit on his account. We sent him a quick form to sign and the direct debit was easily set up for the next month. Now he doesn’t have to worry about getting to the branch on time, it all gets paid automatically and Killian has more freedom to concentrate on his family and work.

Sinead’s story

Sinead had never had any money worries but suddenly her employer shut the business. As a result, she missed a few mortgage payments. She read up online about the SFS and Mortgage Arrears Resolution Process (MARP) and once she felt more informed she called us. The agent was friendly and helped her to start her SFS online. Doing it online meant she didn’t have to deal with paper forms or have access to a printer or photocopier. We came to an arrangement which meant a period of reduced monthly payments until she was back to work. If you have missed a mortgage payment, you should fill out your SFS as soon as you can, start here.

What's next?

If you’ve missed a payment, it's really important to call us today, even if you can’t pay us today. If you do call us, we promise to be sympathetic and non judgmental. We’ll help you to take action to give you the best chance of resolving your arrears as soon as possible.

Our staff have helped thousands of customers to get finances back on track. We can also recommend to you service providers that can provide independent advice. Learn more about our SFS and MARP process or read our MARP booklet.

Talk to Us

If you think you will miss a payment call us

SFS Form and Guidance

Download your SFS form and user guide

Other Support

Get independent advice for your specific needs

Budgeting tips

We have some helpful budgeting steps to get you started

  • Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating which may limit your ability to access credit in the future.
  • Warning for Mortgages: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it.
  • NOTICE: Under the Credit Reporting Act 2013 lenders are required to provide personal and credit information for credit applications and credit agreements of €500 and above to the Central Credit Register. This information will be held on the Central Credit Register and may be used by other lenders when making decisions on your credit applications and credit agreements.