Struggling Financially - Help and Support | Ulster Bank

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Helping you to manage your debt in difficult times

We're here to help if you are struggling financially

Request a call back Contact us

For mortgage. loan or overdraft debt assistance call us today:

  • From the Republic of Ireland on 1800 435 763
  • From outside the Republic of Ireland on 00353 1709 2118

For Loan or overdraft debt assistance call us today:

  • From the Republic of Ireland on 1850 201 210
  • From outside the Republic of Ireland on +44 2890 538 702 


How we can help

If you are having difficulty managing your mortgage, loan or credit card, we are here to help. We have introduced a financial assessment that is designed to evaluate your financial situation and give you a helping hand when you need it most.

Specially trained staff will carry out a financial review. They will review your current financial situation and take you through the repayment options available, helping you to work out the best way to manage your debt and meet your repayments. These options include:

Extending the loan term
Temporarily moving to interest only payments
Reduced payments on a temporary basis
Postponement of monthly repayments for a defined period of time

See an example of a financial review See an example of the cost of credit

Each of these arrangements may have a impact on the total cost of credit on your mortgage.

Get in touch

It’s difficult to know where to turn when you’re struggling financially. We’re here to help. Call us and we’ll take the time to understand your situation, and talk through the options available to help you. When you call, it’s good idea to have these details to hand to help us get an accurate picture of your situation: 

  • Your monthly income (including any benefits, overtime, bonuses)
  • Your monthly households spending  (including all of your bills and expenses)
  • The amount you owe
  • The number of organisations you owe money to

You should be able to find most of this information on your bank statements or by looking at your bank account online. If you don't bank with Ulster Bank, call your provider as soon as you can.


For mortgage debt assistance call us today:

  • From the Republic of Ireland 1800 435 763
  • From outside the Republic of Ireland 00353 1709 2118

For loan or overdraft debt assistance please call:

  • From the Republic of Ireland 1850 201 210
  • From outside the Republic of Ireland 0044 2890 538 702
concerned lady studying a sheet of paper at kitchen table
Add your signposting title here… When to ask for help

If you're not sure you have a debt problem, ask yourself the questions below. They are the classic financial warning signs:

  • You're regularly spending more than you earn
  • You're struggling to pay your mortgage or rent, utility bills or minimum payments on your loans or credit cards
  • Several of your cards are maxed out
  • You can't manage day-to-day without relying on your credit card
  • You're being contacted about unpaid bills and missed payments
  • You're worried about paying back what you owe and your debts feel like a huge burden
Support with your finances
Add your signposting title here… Mortgage arrears resolution process

If you're in financial trouble, we're here to help. Ulster Bank's financial assessment is designed to help customers who are trying to continue to meet their debt repayments but due to a change in circumstances cannot afford to meet their full monthly mortgage repayments. We are committed to working with you.

Find out more
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Add your signposting title here… Where else to get support

There are lots of organisations that offer free, confidential advice to help you get back on track, including the Citizens Information Board and Legal Aid Board. 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. Be wary of using any companies that charge fees for help. If you do, it may take you longer to pay off your debts. 


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.  

Useful links

General public service information 
Citizens Information Board

Provision of legal aid and advice 
Legal Aid Board

Keeping your home
MABS & Citizens Information Board

Debt Advice
StepChange Debt Charity

Irelands Money advice service
Money Advice and Budgeting Service (MABS)

Various social and benefit information 
Social Welfare agencies

Advice on Insolvency
Insolvency Service of Ireland

Borrowing and credit scoring


Like other responsible lenders, to help us make decisions on when to give you credit, we use a system called credit scoring when we assess your application. Credit scoring helps us predict how likely we are to get back the money we lend. 

Find out more

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

We're here to help
Request a call back

Need financial help?

For mortgage debt assistance call us today on 0345 3016910

For loan or overdraft debt assistance call us on 0345 6023112

For credit card debt assistance call us on 028 90898900

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