Help and Support

Struggling Financially

You're not on your own...

We are here to help you today!

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. 

Other organisations providing support

There are lots of organisations that offer free, confidential advice to help you get back on track.  You can also get advice tailored to your situation from the Money Advice and Budgeting Service (MABS) using their free online tools. You don’t have to enter your name and it only takes about 20 minutes. 

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

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

Things to think about

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.


Standard Financial Statement

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.


Online Portal

An SFS may be completed online by clicking here to our

You will need the following information.

  • Email address
  • Mortgage Account Number

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

Important information for existing customers

Mortgage Fees

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.