What will happen if I fall behind with my mortgage repayments?

We will try to contact you by telephone in the first instance to try and understand your circumstances. All calls are recorded for training purposes.

We will ask you to complete a Standard Financial Statement to gain a full understanding of your current financial circumstances. After completion of a Standard Financial Statement we will consider options available to you.

We can ask for a Field Agent to visit you at your home to discuss your circumstances on a face to face basis.

We can offer to change the payment due date.

We can offer to change the method by which you make your repayments.

If your mortgage is on an interest and capital basis we can see whether we can extend the term of your mortgage over a longer period which will reduce your repayments.

If you are selling your property we maybe able to help with an Assisted Voluntary Sale.

If we cannot offer any of the above we will give you details of the reasons why.

We would strongly recommend that you seek free independent advice before making any changes to your mortgage.