Standard Financial Statement:
Help and Guidance

The best thing you can do with mortgage arrears is to pay them back as soon as you can.

If you are not in a position to pay your arrears, you need to give us a full description of your finances and the only way to do that is to fill out a Standard Financial Statement (SFS). This is a requirement under the Mortgage Arrears Resolution Process (MARP).

The SFS is quite detailed and can take a while to complete. We’ve made some videos (click here to view) to explain how to do your online SFS. It will give a clear picture of your finances and allows us to see what can be done to help you with your arrears. You’ll also need to submit supporting documents with your SFS, such as bank statements or wage slips in order to commence the assessment of your SFS.

To help you fill out your SFS we created a helpful user guide (click here to view) which contains lots of information and tips. If you get stuck when you’re filling out your online SFS, there are lots of tips along the way. You can save your work and come back to it later if you need to check something. If you need to talk to us we’re happy to help you - just call us on 0818 251 008 and our expert staff will help you.

Complete your SFS online

You can now fill out and submit your SFS online, which is usually quicker and easier than using paper forms. You’ll be able to save your SFS as you go, which means you can come back to it later if you need more information. When your digital SFS is complete, you simply press “finish”. Please choose an online form below to complete.

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My Mortgages

  • I have a mortgage in my own name only
  • My mortgage started as joint, but I am now separated
  • I have a joint mortgage with a friend or relative and I want to keep the finances separate
  • I am a guarantor on someone else’s mortgage
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    Our Mortgages

    • We have a joint mortgage (e.g. as a couple) and there is no need to complete separate SFS forms



    If you can’t work out which SFS form to use or if you are an advisor representing a borrower, call us on 0818 251 008 and we will help you.

    If you prefer to fill out a paper form, you can download the form here. Once your form is complete you can post it back to us using the postal details within the form or upload your documents here.

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    SFS User Guide

    Our helpful guide to help you fill out your SFS form

    Learn more

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    How to Videos

    Find out how to do your online SFS

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