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Help with managing my mortgage

Help managing your mortgage

If you are experiencing financial difficulties and perhaps are a little worried about managing your EBS mortgage repayments, then this is where you can locate all the information you need to help you through this difficult time.

The best thing to do is to talk to us here in EBS. As soon as you make us aware of your financial concerns, together we can talk through the best solution for you. We know that every situation is different, however we are here to lend an ear to ensure we can help you with your particular circumstances. If you are looking for some instant answers about managing your mortgage, why not have a read through our helpful guides here, or get in touch with our dedicated arrears support department?

4 Steps to managing your mortgage

  • Although this may seem daunting, the first step is to let us know that you are worried about your finances.
  • It’s tempting to just get on with daily life and hope the issue will go away on its own, but it's important not to ignore the early signs of financial difficulty or stress.
  • If you are already in arrears with your mortgage repayments, the best thing to do is get in contact with us so we can do our best to help. We have a team of dedicated trained staff who will bring you through the steps involved and answer any query you have.
  • The earlier you make contact with us the sooner we can work together to find ways to improve your situation.
  • After you’ve talked to our team, we will ask you to complete a Standard Financial Statement (SFS), which is an industry-wide document created by the Central Bank of Ireland. It might sound intimidating, but don’t worry; this is simply a detailed form that allows you to outline your current financial circumstances.
  • This will give us (and you) a clearly defined picture of your situation, in addition to assisting us in providing a sustainable solution.
  • You will find that the Central Bank of Ireland website has a helpful guide to completing a Standard Financial Statement called Mortgage Arrears Completing a Standard Financial Statement. You can also visit our Standard Financial Statement section below which will provide guidance, through a series of videos, and brings you through the various sections of the form. 
  • If you are worried about going into financial difficulty (but haven’t missed a payment just yet), the completed SFS should be sent to your local EBS office.
  • However, if you are already in arrears, the SFS should be sent directly to the Arrears Support Unit (ASU) at the address provided above. We’ll also need documentation to support the information in the SFS, therefore we’ve created a useful list below of all documents needed (it's important to know that these documents should be provided for each party to the mortgage account).
  • Your completed SFS form, together with supporting documentation, should be sent to the EBS within 20 days of contacting us. 

Documents you'll need to include with your completed SFS is outlined in the SFS

We will use the information you have given us to search and to share information with credit reference agencies and/or credit registers, such as the Central Credit Register, to help with applications for credit and for ongoing credit review. The credit reference agencies will hold this information on a database and it may be accessed by other financial institutions.

In order to complete the credit search please provide evidence of your PPSN. This will be required for each borrower.

If we do not have any of the above supporting documents it will slow down the assessment of your SFS.

We know every situation is different, so we’ll take all your information into account and assess your individual circumstances. This involves reviewing the information provided by you in the SFS and asking any questions about the information provided in the meantime. We’ll consider your individual case carefully, based on the following:

         (i) Your personal circumstances.

         (ii) Your overall indebtedness.

         (iii) The information provided in the SFS and other supporting documentation.

         (iv) Your previous repayment history.

          (v) Your current repayment capacity.

We’ll look at each of these areas to provide you with realistic and sustainable alternative repayment option on your mortgage, which brings us to the last and final step of the process; the best solution for you.

Once we have gathered and assessed all the information relating to your financial circumstances, we will work with you to explore all possible options. We’ll do everything we can to agree alternative repayments that will help you stay in your home or, if this isn’t feasible, we’ll let you know the relevant next steps. Read below to learn the kind of solutions which might be considered.

Solutions that will help me keep my home

(i) Interest Only

(ii) Fixed Repayment'

(iii) Extension of Loan Term

(iv) Capitalisation of the Arrears and Interest

(v) Changing the Type of the Mortgage

(vi) Deferred Interest Scheme

(vii) Split Mortgage

(viii) Low fixed Interest Rate

(ix) Positive Equity Solution

What other options are available?

(i) Voluntary Surrender

(ii) Mortgage to Rent

(iii) Voluntary Sale of your Property

(iv) Negative Equity Trade

Want to find out more about these options? Check out our MARP information booklet here.


The sooner you sit down for a chat with us, the quicker we can help.

  • If you’re worried about meeting your mortgage repayments, you can get in contact with our dedicated arrears support team on 0818 33 00 44.
  • If you have received a text message from us, you can give us a call on 0818303077.
  • You may also receive calls in relation to your mortgage from EBS from the following number - 01 7714415.
  • We’re ready to chat Monday- Friday 9AM-5PM, and Saturday 9AM – 1PM. ASU are not available on Bank or Public Holidays.
  • Alternatively you can write to us at ASU Team, EBS d.a.c., 10 Molesworth Street, Dublin 2, D02 R126, Ireland. 
  • If you are in arrears and want to make a payment toward your mortgage, please click here for further information.

We’ve outlined EBS’ Mortgage Arrears Resolution Process (MARP) in four easy steps below, to give you a clear picture of what this involves. Also full details of the 4 steps of MARP are contained within our MARP booklet.

The Mortgage to Rent (MTR) solution allows eligible customers who complete the MTR scheme the opportunity to stay in their home, with a long term tenancy agreement with an Approved Housing Body. An income related rent will be set by your local authority.

EBS, in conjunction with iCare Housing and The Irish Mortgage Holders Organisation (IMHO), have launched an initiative to offer its customers an enhanced MTR solution. iCare Housing will allow tenants to buy back their homes at any time at the price iCare Housing paid for it, including any discount negotiated between iCare Housing and the lender. For more information on this initiative, please click here.

If you are in difficulty with your mortgage you can contact EBS, the IMHO or any third party financial advisor. If you would like to find out more about the enhanced Mortgage to Rent initiative, please contact the following:

  • You can get in contact with our dedicated arrears support team on 0818 33 00 44.The Irish Mortgage Holders Organisation (IMHO) on 1800 988 977, online at mortgageholders.ie or in person. 

It is vital that you co-operate with EBS in relation to your current financial situation. Where you fail to co-operate with EBS, you will be classified as not co-operating which may have the following implications:

  • You will lose the protections afforded by the Mortgage Arrears Resolution Process (MARP);
  • Legal action may be undertaken immediately;
  • Where legal proceedings are initiated you will incur legal costs;
  • Should it be necessary to take legal action it is important to be aware that, irrespective of how the property is repossessed and disposed of, you will remain liable for any outstanding debt including any accrued interest, charges, legal, selling and other related costs.;
  • In the event that we commence legal proceedings to repossess your property, you will be responsible for the legal costs of such proceedings, estimated at €4,500 and costs associated with the disposal of the property. However this amount could be higher or lower depending on the legal action taken;
  • This may impact on your eligibility for a Personal Insolvency Arrangement in accordance with the Personal Insolvency Act 2012;
Need more support?
Guide on Mortgage Arrears

Read the mortgage arrears information & advice service

Accountant's declaration

Click below to download the accountant's declaration

SFS Document Upload

Click below to upload your SFS & supporting documents

Budgeting tips

We have some helpful budgeting steps to get you started


Additional Support

Find out more on independent information and view useful documents


Request a call back

Get in touch as soon as you can

  • 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.