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Residential Investment Mortgage Holders Facing Financial Difficulties

This information is for you if you have a mortgage on a residential investment property and:

  • It is not your home (your primary residence), and
  • It is not the only residential property you own in the Republic of Ireland.

Please note: The advice below is for investors. If you are a home owner living in your own home, please see Mortgage Repayment Support.

We are committed to working with all customers who are facing financial difficulties, to try find a solution. We want to find a way that can help to make your repayments a little easier to manage. If you’re in arrears now, or worried that you soon might be, talk to us – before a small problem becomes a big one.

Contact us early

It’s really important that you get in touch with us as soon as possible if you’re concerned about repayments. This gives us the best chance to work together to find a solution.

We have a dedicated team ready to support you. Contact us:

 

More support

You can contact the Money Advice & Budgeting Service (MABS), a free, confidential and independent service for people in debt or in financial difficulty. Contact MABS on 0818 07 2000, Monday to Friday, 9am to 8pm, or go to the MABS website.

See our list of useful contacts for more information on other organisations who might be able to help you.

Information on fees and charges

  • €10 for each unpaid direct debit and cheque.
  • For some mortgages, a late fee will be charged on any overdue balance. This is an annual rate of 3% more than the current mortgage interest rate.

Please also see Important information on fees and charges you need to consider.

 

How to avoid these fees and charges

You can avoid fees and charges by keeping your repayments up to date. If you’re having difficulties doing this, please call our dedicated Arrears Support team. We want to help.

  • By phone: Please call us on 1800 855 010 or +353 21 601 3800 (from abroad). Our lines are open Monday to Friday 8.45am to 6pm (excluding Bank Holidays).

It’s easy to check your mortgage account

You can see all your active accounts at Open24.ie or on the PTSB App.

How to view your accounts in Open24 Online Banking

  • Go to the Open24 Online Banking login page
  • Enter your Open24 number and internet password
  • Then enter 3 digits of your Personal Access Number (PAN)
  • Select the account you wish to view

How to view your accounts in the PTSB App

  1. Open the PTSB App
  2. Enter 3 digits of your Personal Access Number (PAN)
  3. Select the account you wish to view

Warning: Missed payment data will be reported to the Central Credit Register (CCR), as required by law, in the legitimate interests of PTSB and the CCR. This may affect your future ability to borrow.

Information for SMEs

If you are a Small to Medium Enterprise (SME) and are experiencing repayment difficulties, please read our Guide for Small to Medium Enterprises facing financial difficulties (2.4MB) It explains how we can support your business. Copies are also available in all PTSB branches.

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