Worried about missing a payment?

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 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 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.