

Manage your mortgage
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Log in toManage my Mortgage Important Information about our mortgages
Lending criteria, terms and conditions apply.
Warning: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
If you choose a fixed rate mortgage:
Warning: You may have to pay charges if you pay off a fixed rate loan early.
If you choose a variable interest rate loan:
Variable rate loans: The payment rates on this housing loan may be adjusted by the lender from time to time.
Stay in control
Managing your mortgage online
To manage your mortgage online you'll need: your mortgage account number, surname and date of birth.
You'll be able to:
- Set up a regular overpayment
- Make a lump sum overpayment
- Use overpayment calculator
- Change your payment date
- Change your payment bank account
- Set up a direct debit
- Request a Certificate of Interest
- View your current balance
- Check your loan to value amount
- View how your mortgage is made up
- Check your monthly payment & due date
- Switch to a new product
Please note service is unavailable from 5am to 7am. The information shown is updated overnight, so may not include any changes to your mortgage balance today.
Use our mortgage calculators to find out how much you could borrow and find a mortgage to suit you. Also see you much you could save if you make an overpayment.
I would like to...
Check my mortgage balance
You can view your mortgage balance online by logging into Manage my Mortgage. You will need your mortgage account number, your surname and date of birth.
You may also be able to view your up to date mortgage balance by logging into Anytime Banking.
Alternatively, call our team on:
Phone: 01 709 2500
Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded
Make an overpayment on my mortgage
How to make an overpayment
There are two main ways to make an overpayment into your mortgage:
- Making a lump sum payment or
- Making regular extra monthly overpayments
Try our overpayment calculator to see how much you could save by making either extra monthly payments or paying a lump sum to your capital repayment mortgage.
Fixed rate mortgages
An early redemption charge is due if you repay all or part of your fixed rate mortgage before the end of the set fixed period. However, in addition to your scheduled repayments, you can make an overpayment of up to 10% of your balance in each calendar year without any penalty.
There are no early redemption charges if you are on a tracker rate or a flexible variable rate mortgage.
Make an overpayment
Log in to Manage my Mortgage. Select “My payments and services” and then “Make an overpayment or missed mortgage payment”.
Alternatively, call us on:
Phone: 01 709 2500
Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded
Move house
As an existing mortgage customer, you may be able to take your mortgage deal with you to your new home. This is known as porting. Alternatively, you may prefer to choose a new deal for your mortgage.
If you want to find out more about your options, and which is right for you, book an appointment with one of our Mortgage Specialists.
Change the date my mortgage repayment is made
If you want to change the date that your mortgage repayment is made we could make the change within 5 working days.
How to request a change to my mortgage repayment date
Log in to Manage my Mortgage . Select “My payments and services” and then “Change payment date”.
Alternatively, call us on:
Phone: 01 709 2500
Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded
Change the account my mortgage repayment is taken from
If you want to change the account that your mortgage Direct Debit comes from we could make the change within 5 working days.
How to change the account my mortgage repayment is taken from
Log in to Manage my Mortgage. Select “My payments and services” and then “Change payment account”.
Alternatively, call us on:
Phone: 01 709 2500
Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded
Request a redemption statement / final settlement letter
If you want to pay your mortgage off in full, or are in the process of remortgaging to another provider, you will need a redemption statement, sometimes this is also known as a final settlement letter.
This will typically contain your current mortgage balance, outstanding interest, daily rate of interest, early redemption fees and closure fees (if applicable). Your redemption statement is valid for 4 weeks from the issue date.
Please call our team to request this on the number below:
Phone: 01 709 2500
Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded
Repay my mortgage in full
Please call our team to arrange repayment of your mortgage in full on the number below:
Phone: 01 709 2500
Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded
Discuss my options as my home is in negative equity
We understand your circumstances may have changed. Our Home Mover mortgages are available to existing residential customers who wish to move home but have either a loan to value (LTV) of above 90% or are on a tracker interest rate.
If your home is in negative equity, you can contact your branch to discuss your options or contact our team on the number below:
Phone: 1800 435 763
Opening hours:
Mon-Thu 9am to 7.30pm
Fri 9am to 6pm
Sat 9am to 1pm
Excluding public holidays
Calls may be recorded
Discuss my options as I'm having trouble paying my mortgage
The number one priority if you are having trouble paying your mortgage is to talk to us. Whether it is because of unemployment, sickness or any other reason, we are committed to acting fairly and finding the best solution.
You can be confident that your individual situation will be dealt with confidentially by specialised staff who will outline the best and most appropriate option for you.
Contact our team on the number below:
Phone: 1800 435 763
Opening hours:
Mon-Thu 9am to 7.30pm
Fri 9am to 6pm
Sat 9am to 1pm
Excluding public holidays
Calls may be recorded
Change ownership of my mortgaged property
We understand your circumstances may have changed and that you wish to change the ownership of your mortgaged property.
If you wish to change the ownership of your mortgaged property, you can contact our team on the number below:
Phone: 1800 435 763
Opening hours:
Mon-Thu 9am to 7.30pm
Fri 9am to 6pm
Sat 9am to 1pm
Excluding public holidays
Calls may be recorded
Review my current rates
If your current deal is coming to an end, we will write to remind you 60 days in advance. You can choose to either:
- Let your rate switch to our flexible Standard Variable Rate. As Standard Variable Rate is not linked to the European Central Bank (ECB) base rate, the rate can increase or decrease at any time even if there is no change in the ECB base rate.
- Or choose from one of our other fixed or variable interest rates options.
If you are currently on a Variable Rate or our Standard Variable Rate (SVR) and wish to switch your mortgage to a different deal, or you just want a look at what we have on offer, you can contact your local branch or contact us and we will provide you with a list of options available to you and the estimated monthly payment on each. If you would like the see the total interest you would pay on each option, we can provide this to you on request.
You should always keep your mortgage arrangements under review as there may be other options that could provide savings for you. This will depend on specific factors such as:
- Your Loan to Value (which is how much you owe on your mortgage in relation to how much your house is worth the value of your home and outstanding balance on your mortgage.) You may be able to move between Loan to Value interest rate bands subject to the provision of an up to date valuation.
- The amount of your borrowing
- If you hold your main current account with us
- Whether you choose a fixed or variable rate
You should contact us on the number below or contact your local branch to discuss any alternative rates which may be more appropriate for you or could provide you with additional savings. If you are not eligible to move to an alternative interest rate with us you might be able to avail of lower interest rate from another lender based on an up to date valuation of your property.
You can visit the Competition and Consumer Protection Commission's website for more information on switching lenders and changing mortgage type here.