Frequently asked questions

You have several options when it comes to signing your new repayment arrangement. You can:
• Select ‘Read and sign arrangement online’ to sign the arrangement digitally within Mortgage Solution.
• Download and print the arrangement, sign it physically and upload the signed version.
• Download and print the arrangement, take it for independent legal advice, sign it physically and upload the signed version.

We encourage you to sign your new arrangement as soon as possible. However, you have 5 weeks to sign it from the date it is issued. The issue date is noted on the cover letter. We encourage you to seek independent legal and financial advice on the details of the new arrangement.

Files must be .jpeg .png or .pdf format.

Files must be .jpg .png or .pdf format. Max. 10MB each in size.

If you have a digital copy of the original document, you can upload that in .jpeg .png or .pdf format.

If you have a physical copy of the original document, you can scan or take a pic of it. Please make sure that:

• All 4 corners are visible
• All details including any images are clear, not blurry

Yes. You can save and return to your SFS form at any time.

Yes. Use the 'Messages' section in the top right corner of the Mortgage Solution dashboard to request the change.

If you fall behind with your mortgage repayments, by law we must report this to the Central Credit Register (CCR). We will also report it to another credit reference agency if appropriate. The report would show the number of payments you had missed. If we repossess your property, we must report this to the CCR. We also report it to another credit reference agency if appropriate. If we change (restructure) the terms of your mortgage to help you manage or avoid arrears or other financial difficulty, we must report this to the CCR as a ‘restructure event’. We would also report this to another credit reference agency if appropriate. Generally, we do not give you notice before we make a report to the CCR or any other credit reference agency. Banks and other financial institutions have access to reports of arrears, repossessions, restructure events and arrangements to deal with arrears. This could have a negative effect on your credit rating, making it more difficult for you to borrow from us or other lenders in the future. For example, you may have difficulty getting a loan or other credit.

Yes. You can upload more than one document if you need to.

The 'Documents' section of the SFS form lists the documents you need to give us with your submission.

Please note: Depending on the information you give us in your submission, we may require additional documents from you after you have submitted your SFS form. If required, these documents will be displayed in the Documents section during the submission review stage of the process.

Yes. You can upload scanned copies, e-originals or photos of your documents.

Ensure all documents are valid, legible and all 4 corners are fully visible. You will be asked to re-upload your documents if they do not meet this criteria