Managing Your Debt

Our promise is that we will work with you and all our customers in financial difficulty to find sustainable solutions, always being clear and fair in our communications and dealings and always mindful and respectful of your individual circumstances. We wish to stress the importance of active engagement and co-operations between you, as the borrower, and KBCI, as the lender, in dealing with, or averting a financial difficulties situation. 
If you want to talk to someone, you can call us on 1850 93 02 35.

Worried about arrears?

We know that anyone can get into financial difficulty, often unexpectedly. If, for example, your earnings have decreased, or you’re borrowing to clear your debts, these could be early signs that you are going into arrears. Check out your options here or call us on 1850 93 02 35.

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KBC - Mortgage - Worried about arrears

Currently in arrears

Our Arrears Support Team is specially trained to help you find solutions to your mortgage difficulties. If you have not already done so, please contact us on 1850 93 02 35 as the sooner we understand your difficulties, the sooner we can start to work together to find a solution.

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KBC - Mortgage - Currently in arrears

6 + months in arrears

It’s never too late to start the process and engage with us about your difficulties. At KBC we encourage any customer, no matter how far in arrears to make contact with us. We promise to work with you to try and find a solution to your mortgage repayment difficulties.
Call us on 1850 93 02 35 or we can arrange for one of the team to visit you.

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KBC - Mortgage - 6-months plus arrears

Small to Medium Enterprises (SMEs)

We understand that the present economic climate presents difficulties for many of our customers. We are committed to assisting any of our customers who are experiencing financial difficulty or are concerned about their finances.

Business Loan Restructure Process for Corporate Banking and PFF (pdf, 66KB)
Mortgage Loan Restructure Process for ASU Small to Medium Enterprises (pdf, 68KB)
Financial Difficulties Process for Business Banking (pdf, 104KB)

KBC - Mortgage - SMEs-mortgage support


The Standard Financial Statement is a budgeting tool which lists all your monthly income and outgoings. The SFS is available to download here along with information and support on how to fill it out.

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Arrears literature and resources

We have a range of helpful guides and documents to provide you with information and support.

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