If your mortgaged residential property is not your primary residence or home, and is not the only residential property you own in the Republic of Ireland, please read the following information carefully.
Our commitment to all customers in or facing financial difficulties, is that we will work with you to try find a solution that will help make your repayments a little more manageable. If you are in arrears, or worried that you soon might be, talk to us before a small problem becomes a big one.
It is really important that you get in contact with us as early as possible if you’re concerned. This will give us both the best chance to work together on a solution. Our dedicated team is ready to assist you. Contact us by:
You may wish to contact the Money Advice & Budgeting Service (MABS), a national, free, confidential and independent service for people in debt or in financial difficulty. Contact them on 0818 07 2000. Lines are open Monday to Friday, 9am to 8pm, or visit the MABS website.
Alternatively, refer to our list of key contacts for more information.
A charge of €10 will be applied to your mortgage account for all unpaid Direct Debits/Cheques. For certain Commercial Mortgages, a late charge will be applied against the outstanding arrears balance. This charge is applied at an annual rate of 3% above the current interest rate on the mortgage.
Important information on fees and charges you need to consider.
You will avoid these charges by keeping your repayments up to date. If you are having difficulties doing this, please call our dedicated Arrears Support team on 1800 855 010 or +353 21 601 3800. Lines are open Monday to Friday 8.45am to 6pm (excluding Bank Holidays). We want to help.
You can view your accounts via Open24 Online Banking, or via the PTSB App:
How to view my accounts in Open24 Online Banking:
How to view my accounts in the PTSB App:
Alternatively, you can reach out to our social media team who are available Monday to Friday 8am to 8pm (excluding Bank Holidays), and Saturday and Sunday from 10am to 5pm.
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.
For Small to Medium Enterprises (SMEs) which are experiencing repayment difficulties, please read our guide for Small to Medium Enterprises facing financial difficulties.
