Standard Financial Statement

Help and Guidance

It’s best to pay missed payments on your mortgage arrears as soon as you can.

If you are not in a position to pay your arrears, you need to give us a full description of your finances and the only way to do that is to fill out a Standard Financial Statement (SFS). It will help to fully describe your financial situation to us if you are unable to repay your mortgage. The only way to do this is to complete a Standard Financial Statement (SFS). This is a requirement under the Mortgage Arrears Resolution Process (MARP). See here for more information about the MARP procedure.

The SFS is comprehensive and can take some time to finish. There are some videos that will help (click here). The SFS will provide a comprehensive picture of your financial situation and help us decide what we can do to help you. Along with your SFS, we may ask you to include some supporting paperwork, such as bank statements or payslips.

To help you fill out your SFS, we created a user guide (click here to view). If you get stuck when you’re filling out your online SFS, there are lots of tips along the way. If you need to double-check something, you can save your work and return to it later. If you need to talk to us, we’re happy to help you - just call us on 0818 280 280.

Complete your SFS online

The SFS is now available online , which is quicker and simpler than paper forms. Your SFS will save as you go, so if you need extra time, you may return to it.  Press "finish" at the end. 

Select one of the online forms to complete from the list below.

My Mortgage
  • I have a mortgage in my own name only

  • My mortgage started as a joint mortgage, but I am now separated

  • I have a joint mortgage with a friend or relative and I want to keep the finances separate

  • I am a guarantor on someone else's mortgage

Our Mortgage
  • We have a joint mortgage (e.g., as a couple) and there is no need to complete separate SFS forms

If you can’t work out which SFS form to use or if you are an advisor representing a borrower, call us on 0818 280 280 and we will help you.

Complete your SFS by Post 

If you prefer to fill out a paper form, you can download the form here. Once your form is complete, you can post it back to us using the postal details within the form or upload your documents here.

SFS User guide

User Guide for filling out your Standard Financial Statement (SFS)

Other Support

Click below to read our list of other financial advisors


Click below to read some useful answers to big questions

How to fill up SFS

Find out how to do your online SFS

How to fill up SFS

Talk to us

If you think you will miss a payment, call us

Call us on 0818 280 280