In almost all cases, repayments will stay the same or be slightly less. In a small number of cases, repayments may be higher.

After your account has moved to the new mortgage platform, we’ll write to you to confirm your monthly repayment amount and outline any actions you may need to take.

This would typically happen because interest has accumulated as a result of previous missed repayments, unpaid interim interest or you’ve requested a term reduction in the past.

Your monthly mortgage repayment amount may be slightly higher to make sure that your mortgage is fully paid off by your final repayment due date. If your repayment goes up by more than €1, we’ll be in touch with you to discuss it.

We’ll also write to you to confirm this once your account moves to the new mortgage platform.

Your repayment due date is outlined in the Monthly Repayment Due Date section of the booklet we’ve sent you.

If you pay by direct debit, your repayment due date is the 7th of each month to align to your current direct debit date.

If you don’t make your repayment by direct debit and you’ve recently made repayments by the 7th, we’ve scheduled your repayment due date for the 7th of each month. If you don’t pay by direct debit and have been making your repayments earlier in the month, you can continue to do so.

If there is a change to your repayment amount, we’ll update this from your second repayment due date on the new mortgage platform.

Your repayment due date is outlined in the Monthly Repayment Due Date section of the booklet we’ve sent you.

If you don’t make your repayment by direct debit and you’ve recently made repayments after the 7th over a recent six month period, we’ve scheduled your repayment due date for the last day of each calendar month. If you don’t pay by direct debit and have been making your repayments earlier in the month, you can continue to do so.

If there is a change to your repayment amount, we’ll update this from your first repayment due date on the new mortgage platform.

At the moment, you can do this if you’re happy not to pay by direct debit and choose to pay another way. Please call us on 0818 300 133 / +353 818 300 133 and we’ll explain how to do this.

You can change your repayment due date to the 7th of each month once your mortgage account moves to the new mortgage platform. Otherwise, you can do this if you’re happy not to pay by direct debit and choose to pay another way. Please call us on 0818 300 133 / +353 818 300 133 and we’ll explain how to do this.

If you’d like to change your repayment due date to the 7th or the last day of each month after your mortgage account has moved to the new mortgage platform, please call us on 0818 300 133 / +353 818 300 133 and we’ll explain how to do this.

Nothing. If you pay by direct debit, we’ll update your repayment details.

Your repayment due date is outlined in the Monthly Repayment Due Date section of the booklet we’ve sent you.

If you already pay by the repayment due date outlined in the letter we’ve sent you, you won’t need to change the day you pay. You may need to update your repayment amount once your account moves to the new platform and we’ll write to you again to confirm this.

Yes. The easiest way to do this is by completing an overpayment form which can be found here.

By completing the overpayment form, you can choose to reduce your monthly repayment amount or mortgage term. Reducing your mortgage term means you’ll benefit from a lower cost of credit.

If you have an interest only arrangement in place, you won’t be able to request a mortgage term reduction until your arrangement has ended.

If you’re in arrears at the time any overpayment is made, this will firstly reduce your arrears balance before being applied to your capital balance.

If your mortgage is on a fixed rate, you may have to pay an early repayment charge to make an overpayment.

If this happens, we’ll assume your payment will be successful and we’ll reduce your balance that day. If we don’t receive your payment by the next working day, we’ll reinstate your balance to the previous amount. Your account will be in arrears and you’ll continue to pay interest on the higher balance until we receive your missed repayment.

If this happens, your balance won’t be reduced until we receive your payment. Your account will be in arrears and you'll continue to pay interest on the higher balance until we receive your missed repayment. To avoid this happening, you can make your payment before the non-working day.

If you don’t make your full monthly repayment by your repayment due date, your mortgage account will be in arrears. If this happens, we’ll write to you 10 working days after your repayment was due and stay in contact to support you.

If you miss a repayment, we’ll report this to the Central Credit Register in line with Central Bank of Ireland guidance. You can find out more about CCR reporting in the Statutory Warnings and Important Information section of the booklet we’ve sent you.

If this happens, we’ll try to take the payment again five working days later. If our second attempt is unsuccessful, you’ll need to make your repayment by another method. If you need help with this please call us on 0818 280 280 / +353 1 665 8082.

We’re here to support you and discuss your options. Please call us on 0818 280 280 / +353 1 665 8082.

Your interest will be calculated differently because we're moving to a new mortgage platform which calculates interest at the end of each day, based on your mortgage balance at the end of that day.

For the first month, interest will accumulate daily from the start of the month on the new mortgage platform, until your first repayment due date. We’ll then apply this interest to your mortgage balance on that due date.

After the first month on the new mortgage platform, interest will continue to accumulate daily from each repayment due date to the next and we’ll apply this to your mortgage balance on your repayment due date.

No. If you currently have a fixed interest rate mortgage with us, your rate will remain unchanged for the duration of your agreed fixed term.

No. While variable rates are always subject to change, your rate won’t change as a result of the move to the new mortgage platform.

Yes, you’ll continue to stay on a tracker mortgage when we move to the new mortgage platform.

Any decreases to ECB rates will take effect no later than 14 calendar days after the ECB announcement date, so you can benefit from the reduction sooner.

If the rate increases, the change will take effect at least 31 calendar days after the ECB announcement date, to avoid any earlier impact on your repayments. 

This means that we’ll assume there are 30 days in a calendar month and 360 days in a year for calculating interest due to each calendar month not having the same number of days.

Your repayments will take into account your repayment due date, your mortgage end date and how interest will be calculated on the new platform.

This may result in a slightly different repayment amount. In almost all cases, it’ll be the same or less. If your repayment goes up by more than €1, we’ll be in touch with you to discuss it.

We’ll write to you after moving your account to the new mortgage platform to confirm your repayment amount.

If your interest rate changes in the future, your new repayment amount will apply on your next repayment due date provided there has been at least seven days between the rate change taking effect and your repayment due date. If there are fewer than seven days, the change to your repayment will apply from the following month’s repayment due date.

If you cannot pay off your mortgage loan by the final repayment due date, we're here to support you. Please call us on 0818 280 280 / +353 1 665 8082 to discuss your options. Our lines are open Monday to Friday between 9:00 and 17:00 (except bank holidays) or Saturday between 9:00 and 13:00.

We’re moving customers to a more modern and flexible mortgage platform.

This applies to all customers, ensuring everyone receives consistent service and benefits from the features outlined in the detailed changes section of the booklet we’ve sent you.

Once your mortgage loan ends, any direct debits linked to it will stop automatically. If you have arrears on your mortgage account, you'll need to clear these separately.

When your mortgage loan ends, we’ll write and ask you to cancel any standing orders for your mortgage repayments.

If you have arrears on your mortgage account, we can continue to collect your standing order, but you may also need to make additional payments to clear the full arrears amount.

Your final monthly repayment amount will be your mortgage balance outstanding, not including any missed repayments. Your final repayment amount will include your capital balance and interest accumulated. It may also include interim interest or interest accumulated as a result of any missed repayments.

You’ll need to make any missed repayments separately.

We’ll write to you in advance if your monthly repayment amount won’t be enough to pay off the balance outstanding at your mortgage end date.

To make sure your mortgage is cleared by the end date, you can increase your monthly repayments or make a lump sum payment. You can also apply for a suitable arrangement, which will be subject to a credit assessment. If you would like to discuss these options, please call us on 0818 280 280 / +353 1 665 8082.

No, your mortgage terms and conditions will stay the same. However, the terms you agreed to were based on the old mortgage platform. As there are some differences with the way the new platform works, it won’t fully align with terms and conditions.

You can find more information about the differences between the old and new mortgage platforms in the booklet we’ve sent you. If you have any questions, please contact us at one of the numbers provided in the Contact Information section of the booklet we've sent you.

No. You won’t experience any financial loss as a result of moving to the new mortgage platform.

We’ll make every effort to ensure that all your mortgage accounts move to the new platform at the same time. We’ll write to you about any accounts you have with the details for each one following the move.

If you’ve agreed, or are in the process of agreeing, an alternative repayment arrangement, this will continue on the new mortgage platform.

The move to the new mortgage platform won’t affect your arrears. If you’re currently in arrears or anticipate having financial difficulty in the future, we’re here to support you and discuss your options. Please call us on 0818 280 280 / +353 1 665 8082.

This won't apply to everyone. If your mortgage end date changes, we'll let you know. If this happens, please review your mortgage related insurance to make sure you’re still covered.

No. We're moving all customers to our new mortgage platform to maintain service and provide access to new features.