Residential Investment Mortgage Repayment Difficulties

The following information applies to you if your mortgaged residential property is not your primary residence/home and it is not the only residential property you own in the Republic of Ireland.

Our commitment

In these difficult economic times, falling behind on your Mortgage can happen.

Our commitment is that we will work with you to try to find a way to help make your repayments a little more manageable. So if you are in arrears, or worried that you soon might be, talk to us before a small problem becomes a big one.

It is really important that you get in contact with us as early as possible if you’re concerned. This will give us both the best chance to work together on a solution.

Our contact centre will have revised opening hours with effect from Monday 4 October. Agent support will be available from Monday to Friday (excluding Bank Holidays) 9am - 5pm and 10am - 2pm Saturday and Sunday. Our social media team will be available from 8am - 8 pm Monday to Friday (excluding Bank Holidays_ and 10am - 5pm Saturday to Sunday. If you need to report a card lost or stolen you can contact us on 1800 687 687 or +353 (1) 212 4290. Lines are open 24 hours a day, 7 days a week. You can still access all self-service functionality 24/7 through Open24 Online Banking, in-app, or through our automated telephone service on 0818 502 424

You may wish to contact the Money Advice & Budgeting Service (MABS). It is a national, free, confidential and independent service for people in debt or in financial difficulty. Contact 0818 07 2000 (Monday to Friday 9am - 8pm), or visit their website at

Information on fees and charges

A charge of €10 will be applied to your mortgage account for all unpaid Direct Debits/Cheques. For certain Commercial Mortgages, a late charge will be applied against the outstanding arrears balance. This charge is applied at an annual rate of 3% above the current interest rate on the mortgage.

Read more important information on fees and charges you need to consider.

How to avoid these fees and charges
  • If you are having difficulties maintaining your repayments, contact one of our advisors in your branch or call us directly on 1800 855 010 or +353 21 601 3800 – we want to help.
  • You can check your balance online and over the phone through Open24 on 0818 502 424 or +353 1 2124101. Lines are open Monday to Friday 8am - 10pm (except Bank Holidays) and Saturdays & Sundays 10am - 5pm.

Warning: Missed payment data will be reported to the Central Credit Register (CCR), as required by law, in the legitimate interests of Permanent tsb and the CCR. This may affect your future ability to borrow.

For Small to Medium Enterprises (SME) which are experiencing repayment difficulties, please read our Guide for Small to Medium Enterprises facing financial difficulties (836KB)

Back to top
Page loading
Alternate Text