Worried about missing a payment?

Some of these stories might sound familiar

If you are worried about missing a payment on your mortgage you are doing exactly the right thing by reading this section. We understand that some of our customers may not be able to avoid missing a payment. If at all possible, you should avoid missing a payment because it may affect your credit rating and cost more in the long run. If you can’t avoid missing a payment, you should call us because we may be able to offer a solution that would help.

Our people have lots of experience helping customers get their finances back on track. Once you call us, we’ll let you know what you can do next.

Although these aren't the names of actual people, some of their experiences might be familiar to you. Everyone has a different story.

Bill's story

Bill had never been late with a payment. It took him longer than he had anticipated to find a new job after being laid off. Bill was concerned that his credit score might suffer if he missed a mortgage payment. Bill contacted us, completed an SFS (Standard Financial Statement) form, and submitted the required documents. We were able to lower Bill's mortgage payments for a fixed amount of time. Meanwhile Bill also used our budgeting page to get a clear picture of his spending.

Claire's story

Claire’s spending had increased over time. There was always more to pay each month, rent, car payments, bills, credit card bill, mortgage payments etc. Claire was worried about meeting payments. She ultimately created a budget to determine how to control her spendings. Since Claire made all of her payments on time and maintained an excellent credit score, she was able to borrow money in the future. Learn more about budgeting.

Grainne and Noel's story

Grainne and Noel had budgeted for two incomes when they made their plans. However, Grainne's hours have been cut back, and Noel is no longer employed. They cut spending as much as they could, but their savings were getting low. They appeared certain to shortly default on a mortgage payment. To see whether we could assist, Grainne called us. With great friendliness, our advisor Chris demonstrated to them how to complete an online Standard Financial Statement (SFS). We set up a repayment schedule that involved lower monthly instalments for a scheduled period of time. “We had a strategy to prevent arrears, so it was a relief to be back on track” – Grainne’s words. Start your online SFS here.

What to do next

If you miss a mortgage payment, this may affect your credit rating and you may end up paying more in the long term. If you do call us, we promise to be sympathetic and non-judgmental.  
We will help you to take action to give you the best chance of resolving your debt as soon as possible. Our staff have lots of experience helping customers get their finances back on track.

If you’d like more detail about the MARP process then see here.

Talk to Us

If you think you will miss a payment call us on 

0818 280 280


Our handy budgeting page can help you understand your finance

SFS form and guidance

Download your SFS form and user guide

Other support

Get independence advice

Regulatory Information
  • WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire- purchase agreement, a consumer-hire agreement or a BNPL agreement 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.