If you are not in a position to repay arrears on your mortgage, 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). For Frequently Asked Questions on the SFS click here.
To fill out and send your SFS electronically, we will be using DocuSign, a secure online electronic signature service provided by a third party. Through Docusign, you can fill out the SFS form online and attach any other documents we ask you for.
It takes around 44 minutes to complete an SFS, but many of our customers complete it faster. You can use our helpful guides below, or call us on 0818 251 008, we can help you.
Start your SFS online
To support you while you fill in your SFS and we assess your situation, a temporary arrangement on your mortgage repayments may be available to you. If you would like to arrange a callback to speak to us about a temporary arrangement, click here.
The information you give us in the Standard Financial Statement (SFS) and any other documents we ask for will help you and us to understand your financial situation. The form covers your income, your living expenses and any other expenditure and financial commitments that you may have. We will need these documents from you:
| Document type | PAYE worker | Self employed | Unemployed |
| Completed SFS | ✓ | ✓ | ✓ |
| Address ID (valid utility bill) | ✓ | ✓ | ✓ |
| Current account bank statements | ✓ | ✓ | ✓ |
| Business bank account statements | ✓ | ||
| Payslips | ✓(**) | ||
| Form 11 | ✓ | ||
| Income tax self-assessment | ✓ | ||
| Social welfare receipts | ✓(*) |
(*) If the social welfare payment is paid to the current account for which statements are being provided, social welfare receipts are not required.
(**) If your income is made up of shift allowance or overtime you will need to provide an Employment Details Summary (formerly P60 and available from revenue.ie account) or a salary certificate completed by your employer (available from any of our branches).
- If sending them in online, attach the documents in Docusign.
- All documents must be dated within the past 3 months.
- If your current account is not with us, we will need you to provide three months statements. Internet statements must clearly show your name and address.
- If taking a photo of your documents, please ensure all edges of the document are within the frame.
When we receive your SFS and supporting documents, we will start to assess your situation. We will contact you if we need any other information from you to understand your financial situation.
Start your SFS online now - Getting the invite
Completing your SFS online 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 get started.
Joint mortgage holder
We have a joint mortgage (e.g. as a couple) and there is no need to complete separate SFS forms
Sole mortgage holder
When 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
If you prefer to fill out a paper form
Here are three steps you should follow if you want to fill out a paper form:
Download and print out SFS
If you prefer to fill out a paper form, you can download the paper form here.
Filling out your Standard Financial Statement (SFS)
Make sure that you check out the ‘Help when you are completing your SFS’ section above to understand the form
Returning the paper form to us
Post the completed SFS form and any other documents we ask for to: AIB ASU (10 Molesworth Street, Dublin 2, D02 R126) or click here to upload it to us.
Before proceeding please read our Site Use Terms and Conditions, Privacy & Cookie statements which apply to your use of this website. AIB and AIB Group are registered business names of Allied Irish Banks, p.l.c. Registered Office: 10 Molesworth Street, Dublin 2.
