Residential Investment Mortgage Repayment Difficulties

The following information applies to you if your mortgaged residential property is not your primary residence/home and it is not the only residential property you own in the Republic of Ireland.

Our commitment

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.

We have a dedicated team available to take your call on 1800 855 010 or +353 21 601 3800. Lines are open Monday to Friday, 8.45am – 6pm (excluding Bank Holidays).

Alternatively, you can call in to any PTSB branch. We have a team of trained staff at all of our branches that will help you if you feel you may have difficulties repaying your mortgage. We are here to help.

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.

You may wish to contact the Money Advice & Budgeting Service (MABS). It is a national, free, confidential and independent service for people in debt or in financial difficulty.

Contact 0818 07 2000 (Monday to Friday 9am - 8pm), or visit the MABS website.

Information on fees and charges

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.

Read more important information on fees and charges you need to consider.

How to avoid these fees and charges

  • If you are having difficulties maintaining your repayments, contact one of our advisors in your branch or call us directly on 1800 855 010 or +353 21 601 3800 – we want to help.
  • You can check your balance online and over the phone through Open24 on 0818 502 424 or +353 1 2124101. Lines are open Monday to Friday 8am - 10pm (except Bank Holidays) and Saturdays and Sundays 10am - 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 (SME) which are experiencing repayment difficulties, please read our Guide for Small to Medium Enterprises facing financial difficulties.

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