I'm having trouble paying my mortgage | Ulster Bank


I'm having trouble paying my mortgage

Find out how we can help support you manage your mortgage payments

Manage your mortgage
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Add your signposting title here… We're here to help

We understand that worrying about paying your mortgage can be stressful. Whether you’ve already missed a payment or think you won't be able to make any future payments, we're on hand to provide the right level of support.

If you don't have a mortgage but need support managing other debts, you'll find more help and advice on our Struggling financially page.

Struggling financially
Add your signposting title here… What will happen if I can't pay my mortgage?

I've already missed one or more mortgage payments

I know I'm going to miss a mortgage payment soon

I’m worried I might miss a mortgage payment in the future

Common questions and how we can help

What will happen when I call you and what information will you need?

When you call, a member of our friendly, experienced team will talk through your income and spending. So we can get a clear picture of your financial situation, please have the following information to hand - you should be able to find it all on your mortgage paperwork, bank statements or in online banking.


  • Your Mortgage Account Number 
  • Your monthly income (including any benefits, overtime or bonuses you’ve received) and how this has or will be impacted by coronavirus.
  • Your monthly household spending (including all of your bills and expenses)
  • The number of organisations you owe money to and the amount you owe
  • Details of any other outgoings

Don't worry, any sensitive information you give us (for example, medical conditions) will be treated completely confidentially and we’ll never use this information in future applications you make.


Once we've got those details, we'll be able to help you get your finances back on track and support you through the process if you want.


What options and arrangements are available?

We can help you in lots of ways. You can look at changing your payment date, paying back the money you owe over a longer period of time, or only in part for a set time, to help you get back on track.


We can work out which options are available to you depending on your circumstances and the terms and conditions of your mortgage with us, so you can pick the right option for you.

What will happen if i don't get in touch with you when I can't pay?

It’s really important to talk to us as soon as you’re aware of any potential problems so we can help you as quickly as possible. If you don't get in touch with us and you miss a payment, we’ll try to contact you to discuss your situation.


If we can’t get in touch as a last resort we may have to take legal action to repossess your property but this will only happen if we can’t work together to solve the problem, so it is always best maintain contact with us and pay as much as you can.


Can I switch to an interest only mortgage?

We do offer interest-only mortgages, but if you’re facing financial difficulties this could mean you’re unlikely to be eligible for this type of mortgage. 


We may be able to consider a reduced repayment arrangement if you experience an unexpected lifestyle change beyond your control which impacts your ability to make repayments, such as unemployment or serious illness.


Will missing a mortgage payment or arranging an arrears payment plan affect my credit file?

If you miss a payment on your mortgage, it will be reported to the credit reference agencies and that could affect your ability to get credit in the future. 


If you’re on a mortgage arrears repayment plan, this will show on your credit file. You can get a copy of your credit file from one of the credit reference agencies.  


Is there anyone else I should contact?

Once you've told us about any problems, it’s important to make sure you tell other people paying or guaranteeing the mortgage what’s happening.


It’s also a good idea to see if you can get any state benefits or tax credits. If you have an insurance policy, check whether it will help you with your payments. You might also find it useful to contact a free debt advice organisation.


Add your signposting title here… Independent support available

If you’ve got other debts in addition to your mortgage, you can get free debt advice. We partner with PayPlan (a third party company), who can offer you free confidential advice for all of your debts. 

Start your journey with PayPlan

Other independent support

Citizens Advice

Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.

Money Advice Service

Free advice on debt, divorce/separation, setting up a new home, care & disability.


Government support for landlords and renters reflecting the current coronavirus (COVID-19) outbreak.

Housing Executive

Coronavirus (COVID-19) advice for renters and landlords from the Housing Executive.

Advice NI

Free, confidential and impartial debt and money advice from Advice NI


Need more help and support?
Support centre
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