Before making any decisions, you should complete our income and expenditure form.
It’s important you fill this out before speaking to us so we can get a better understanding of your circumstances.
Once we receive your completed form we’ll be in touch to talk through your options. We’ll work with you to make sure your payments are realistic and affordable for you.
Please ensure you also send us the following for each borrower:
- The last 3 months’ bank statements for all active accounts
- Payslips covering the last 3 months
- Evidence of the last 3 months’ income if payslips are unavailable.
- The last 2 years’ trading/business accounts
- The last 12 months’ business bank statements
- The last 3 months’ personal bank statements for all active accounts.
Please also enclose any documentation to support your request e.g.
- Medical evidence (GP or consultant letter)
- Redundancy notice
- Sales particulars of a property.
If you don’t send us this information, we’ll be unable to carry out a full assessment of your circumstances and our decision may be delayed. Please do not send original documents.
If you’ve completed a form for a different lender and none of your details have changed, we may be able to use it to carry out our review. However, we may ask you for more information. Please make sure your Bank of Ireland mortgage account number is provided on the form/with a covering letter. Then send us the form with any relevant documents (see above).
Please send everything to: Bank of Ireland, Mortgage Debt Management, PO Box 3191, Bristol, BS1 9HY.
To get started online, click on the button below. You’ll still need to send us any relevant documents by post (see above).
Alternatively, you can download a copy of the form here
If you’d prefer, we’ll be happy to post you a copy of the form.
Worried about keeping up with repayments on your mortgage? You can download free copies of the following guides for information, tips and advice:
- Money Advice Service’s ‘Problems paying your mortgage’ is available in English and Welsh
- National Homelessness Advice Service’s ‘Are you worried about paying your mortgage?’ guide.
The following websites also provide free independent information and advice on housing and debt management:
- Citizens Advice Bureau provide information and advice on consumer rights – including benefits, housing, employment, debt, consumer and legal issues.
- Step Change is a registered debt charity, dedicated to assisting and supporting people in financial difficulty by providing debt counselling advice.
- Direct.Gov is the government website providing information and advice on housing, financial support, benefits, debt management and government schemes.
- Money Advice Service is a government service funded by a levy on the financial services industry. The service provides clear, unbiased money advice to help people make informed choices about their finances.
- National Debtline is a charity providing both online and telephone debt advice.
- Payplan is a free debt advice and debt management planning service.
- Shelter is a charity that works to alleviate the distress caused by homelessness and bad housing. Shelter cannot house people, but they do give advice and information to people in housing need.