If you are having difficulties with your mortgage repayments on your home loan or think you might get into difficulties in the future, it’s important that you tell us. We have a Mortgage Arrears Resolution Process (MARP) that can help you.
To find out more about MARP, please read our helpful Mortgage Arrears Resolution Process guide.
Please get in touch with us as soon as possible if you’re worried about repayments. We want to help.
We have a specially trained and dedicated team who you can call directly on 1800 855 010 or +353 21 601 3800 (from abroad). Lines are open Monday to Friday, 8.45am to 6pm (excluding Bank Holidays).
If you prefer, you can make an appointment at any PTSB branch by calling us on 0818 50 24 24 or +353 1 212 4101 (from abroad). Lines are open Monday to Friday, 8.45am to 6pm (excluding Bank Holidays). We have a team of trained staff at all our branches who can help you if you think you may have difficulties making a mortgage repayment now or in the future.
We are here to help you. Contact us so that we can consider your individual needs and work to find a solution that will suit you.
To help you, we need a clear picture of your current financial situation. We’ll ask you to complete the Standard Financial Statement (SFS). This is a form that helps you collect all your financial information including your current income, expenses, assets and any other borrowings.
There are lots of ways you can fill in the SFS form. You can:
You can find details of all the supporting documents you will need in our SFS guide.
The next step is for our Arrears Support Unit (ASU) to assess your SFS and supporting documents. We want to find the best possible solution for you. We’ll consider the following factors when we assess your situation:
When reviewing your mortgage with you, we’ll consider a number of alternative repayment arrangements. These will depend on your individual circumstances and our assessment of your SFS. We will do our best to find an arrangement that works for you.
If we cannot agree on an alternative repayment arrangement with you, there may be other options for you, depending on your individual circumstances. These options will depend on our assessment of your situation and whether you meet qualifying conditions. For more details, go to Alternative repayment arrangements.
Read more about completing the Standard Financial Statement (SFS) form and other important, relevant information.
