Mortgage Ahead of Schedule – Q&As

Your mortgage is ahead of schedule because either you made an additional payment or there was an adjustment to your mortgage account at some point. The effect of this is that you can expect to pay your mortgage off earlier than agreed.

Your agreed mortgage end date is either the term that we agreed when you took out your mortgage, or any reduced or extended term you have agreed with us in the meantime.

Your expected mortgage end date is the date you can expect your mortgage to be paid in full, based on your current monthly repayment amount.

The move to our new mortgage platform will start on 01 August 2026. We will write to you again within a week after the move to confirm everything for you.

We will adjust the mortgage end date so that it matches your expected end date based on your current repayments. This means your monthly repayment will remain the same or may be slightly lower and you will benefit from a lower cost of credit.

Our goal is to make this transition as smooth as possible. You do not need to take any action now. We will write to you again with details on any steps you may need to take once your mortgage moves to our new platform.

Yes. If you pay your mortgage by standing order, you will need to adjust your payment amount after we reduce your term. We will write to you again to confirm your new repayment details and when you need to make the adjustment to your standing order. You’ll need to contact your bank to update your standing order with the new amount.

No. If you pay your mortgage by direct debit, you don’t need to change anything.

No. All existing alternative repayment arrangements will remain in place.

If you want to keep your agreed mortgage end date, we can arrange that for you. By keeping your agreed mortgage end date, this means your repayment will be reduced but you will pay more interest over the remaining term of your mortgage.

For more information on how this would affect your repayments, you can call us on 0818 300 133 / +353 818 300 133, Monday to Friday between 9:00 and 17:00 (except bank holidays).

If you want to change back to your agreed mortgage end date, we can arrange that for you.

If you are experiencing financial difficulty at the time of the request, we will need you to complete a Standard Financial Statement, and send us any other documents we ask for. We may require an up-to-date valuation and we will cover the cost of this, if we need it.

For more information on how this would affect your repayments, you can call us on 0818 280 280 / +353 1 665 8082, Monday to Friday between 9:00 and 17:00 (except bank holidays) or Saturday between 9:00 and 13:00. You can also read our worried about payments page.

It is a standard practice to update the Central Credit Register (CCR) about any changes applied to your mortgage account, so your credit record reflects the correct details.

You can use our overpayments form which can be found on our useful forms page.

If you have a fixed rate mortgage and are considering making an overpayment, you may have to pay an early repayment charge.

We will write to you again to confirm your new repayment details, after these changes have been applied.

As your mortgage end date is changing, you may want to review your mortgage related insurance products to make sure you have the appropriate level of cover.

Any missed payments will need to be paid to get your mortgage back on track. If you are having difficulty making your payments, please get in touch with us as soon as you can. We will continue to report any missed repayments to the Central Credit Register, which may affect your credit record.

If you are worried about your mortgage repayments, you can call our dedicated Arrears Support Unit on 0818 280 280 / +353 1 665 8082, Monday to Friday between 9.00 and 17.00 (except bank holidays) or Saturday between 9:00 and 13:00.

Alternatively, you can view our worried about payments page.

If you need any additional support, we’re here to help. You can call us on 0818 565 500 / +353 1 665 8011, Monday to Friday between 9:00 and 17:00 (except bank holidays). You can also visit our additional support page.

If you have a question about anything in your letter or want to make a complaint, you can visit our complaint form.

Alternatively, you can call us on 0818 300 133 / +353 818 300 133 Monday - Friday between 9:00 and 17:00 (except bank holidays).