To help us get a better idea about your finances, we may ask you to complete our income and expenditure form.
Once we have your completed form, we’ll be in touch to discuss how we can help you. We’ll use the details on the form to make sure you can afford your payments.
We may be able to use a form you’ve completed for another lender if your details haven’t changed. Please write your Bank of Ireland mortgage account number on the other lender’s form if you send this to us.
If you complete your form online, we can review your completed form sooner:
Complete online
You can also print it yourself or ask us to post you a copy:
Print at home
Request a posted form
Let us know if you’re feeling like it’s difficult to keep on top of your finances. Talking to us about your options won’t affect your credit score. You can send us a message on your hub or call us on 0345 300 8000*.
Getting help with your finances
If you want help to manage your mortgage, you can:
- Grant third party authority– ask someone you trust to talk to us about your mortgage on your behalf
- Set up a power of attorney – choose someone to help you make decisions, either together or on your behalf.
Visit our practical help section for more details.
Further help and support
The following organisations can help with any financial concerns you might have. They offer free and independent advice:
Advice on housing and homelessness
- Shelter gives help and advice to anyone affected by homelessness and poor housing.
Help with wellbeing
- Mind support people to help them understand and manage their mental health
- Mental Health UK offer support and services for those facing mental health challenges with alcoholism, money problems, loneliness, and isolation
- Samaritans help and support people who are in or may end up in a crisis.
General advice
- Citizens Advice Bureau advise on consumer rights such as health, benefits, housing, employment, debt, problems with goods or services bought and legal issues
- GOV.UK has details about government services, including housing, financial support, benefits, and debt management.
* To call using text Relay, dial 18001 0345 300 8000 using a textphone or the Relay UK app. All calls are recorded for training and monitoring purposes. Lines are open 9am – 5pm Monday to Friday. We’re closed on Bank Holidays. 03 calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages.
We’re here for you and have a specialist team to support you if you’re experiencing financial, domestic, or economic abuse.
Complete our support form to tell us how to contact you safely. You can let us know how you want us to get in touch and when it’s best to contact you.
There are charities which can help too:
- Women’s aid – offer life-saving services with the aim of building a future without domestic violence
- Mankind initiative – help men escape domestic abuse
- Refuge – help women and children affected by domestic abuse.
- Who should I talk to about my financial worries?
We have a list of organisations that offer free, confidential and impartial financial advice. You can also talk to your mortgage broker.
Call us on 0800 169 9722* if you’ve already missed a mortgage payment, or you’re worried you may miss one in the future. Talking to us about your options won’t affect your credit score. The earlier you get in touch, the easier it will be for us to help you.
- What else should I do if I’m worried about paying my mortgage?
Tell anyone who is equally responsible for paying or guaranteeing the mortgage what’s happening.
Check if you have mortgage payment protection insurance, and whether this could help with your payments.
Contact the Department for Work and Pensions to find out if you’re able to claim any state benefits.
- Will I get charges if I fall into arrears?
We’ll let you know about any charges or costs that you’ll need to pay. Read our Tariff of Mortgage Charges for details. Speaking to us early and staying in touch may help you avoid some fees.
- What will happen if we cannot come to an agreement about my mortgage payments?
We may send a Field Agent to meet with you if we can’t agree on what to do next. They’ll talk through your options. You’ll be charged for this service, and the cost will be added to your mortgage account. Depending on your situation, we may need to start the process to take your property off you – known as a repossession.
- What should I do if you start legal action to repossess?
The mortgage is secured on your property. This means you may lose your property if you don’t keep up with your mortgage payments. Starting legal action doesn’t mean we’ll take your property off you straight away. We’ll always try to come to an agreement with you making repossession a last resort.
We recommend you attend the court and seek independent debt advice if we start legal action.
- What happens if my home or property is repossessed?
Before we repossess your property, we’ll let you know how to contact your local authority. They’ll try to help you find somewhere else to live.
We’ll sell your property as soon as possible so that we can get the best price for it. We’ll give you time to remove all your belongings. The money made from the sale your property will be used to pay off your mortgage and any other loans secured on it. You’ll get any money that’s left over.
- Will I need to pay the difference if the sale doesn’t raise enough money to pay off my mortgage?
Yes, you’ll need to pay the difference. We’ll let you know how much this is as soon as possible. All borrowers named on the mortgage are responsible for all the money owed, even if you only normally pay part of the mortgage.
You’ll need to let us know about your income and expenses so we can arrange a payment plan to repay the difference. You may also have to pay the court costs. You may have difficulty getting credit in the future if you don’t keep up with the agreed plan.
- How do I make a complaint if I feel I have been treated unfairly?
Please get in touch, so we can do everything we can to put things right for you. It’s only through your feedback that we can improve our service.
* To call using text Relay, dial 18001 0345 300 8000 using a textphone or the Relay UK app. All calls are recorded for training and monitoring purposes. Lines are open 9am – 5pm Monday to Friday. We’re closed on Bank Holidays. 03 calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call