If you think you may have difficulty paying your Ulster bank mortgage, or you are behind in repayments, we can help you through our Mortgage Arrears Resolution Process (MARP). Click here to download our Mortgage Arrears Resolution Process (pdf) brochure. We will help you complete a financial review and we will also look at possible solutions and repayment options best suited to you. We are committed to working with you.
General public service information
Citizens Information Board
Provision of legal aid and advice
Legal Aid Board
Irelands Money advice service
Money Advice and Budgeting Service (MABS)
Various social and benefit information
Social Welfare agencies
Combined MABS / Citizens Information Board info
MABS & Citizens Information Board
Information on CCPC
The Competition and Consumer Protection Commission (CCPC)
Advice on Insolvency
Insolvency Service of Ireland
Free support if you are in Mortgage arrears
Abhaile
Advice if you are in Mortgage arrears
Information from the Banking and Payments Federation
Guide designed to help you safeguard your finances in the future
BPFI Guide to Safeguarding Your Money Now and in the Future
Details of free Legal Aid centres
Free Legal Aid Centres
It's worth getting together some information before you call anyone to talk about your situation. Most organisations will ask about your income, your household expenses, how much you owe and who you owe it to.
In order to complete a financial review, a Standard Financial Statement (SFS) must be completed. This is a form that banks use to collect financial information so that we can assess your circumstances and come up with a solution to your financial difficulties.
Review the Central Bank’s Guide on how to complete the Standard Financial Statement.
An SFS may be completed online by clicking here to our
You will need the following information.
Alternatively you do have the option of completing our Standard Financial Statement and returning it directly to our Arrears Support Unit:
Arrears Support Unit, Ulster Bank, Block B, Central Park, Leopardstown, Dublin 18
‘I wish to convey my appreciation to my mortgage specialist on how very approachable he was. While working full time and long hours, I was able to meet with him at a time which suited me. His advice on my options for dealing with the arrears was always very informative. He took the time to listen to the situation, assess it and propose some solutions. After progressing to a solution, I am now confident going forward that all payments will be made on time and paid in full.’
‘After having to reduce my hours at work following an accident, I was worried that I wouldn’t be able to keep up with my mortgage repayments. However after speaking to the Arrears Support Unit, I was able to discuss my option and agree a short term solution while I recovered to prevent me missing and repayments. The support considered all my circumstances and felt very personal to me which helped make the whole process less daunting than I expected.’
‘I wish I had got in touch sooner! I had been avoiding calling the bank, knowing that I had missed some repayments due to personal circumstances, but as soon as I contacted them, I was able to upload my documents quickly and easily and have my circumstances assessed quickly and professionally, I was kept informed throughout the process and even agreed a short term deal to prevent further arrears while we discussed my options. I am now on my way to clearing my arrears and bringing my account fully up to date.’
At Ulster Bank, we do not apply penalty interest fees or surcharges in relation to mortgage arrears. However, we will continue to charge interest on your outstanding mortgage account balance, including any missed mortgage repayments. Also, where we have legal or administration fees, we will write to tell you about them and they will be applied to your mortgage account when your porperty is sold.
