At Link Asset Services we understand that there are many factors that might affect your ability to repay your mortgage.
If you're worried that you won't be able to meet your next repayment or if you find yourself behind with your mortgage repayments, we recommend that you talk to us so we can consider the various options available to you.
Please note that Link Asset Services is servicing your loan on behalf of your Creditor i.e. the company to whom your loan is owed. From time to time processes outlined on this website will require Link Asset Services to engage with your Creditor or will refer to steps Link Asset Services is taking on behalf of your Creditor.
Your residential mortgage may be related to your home/primary residence, or it may be for an investment or buy-to-let property. Please select from the options below for more information:
WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT.
WARNING: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
If you have a variable rate mortgage:
WARNING: THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.
If you have an endowment loan:
WARNING: There is no guarantee that the proceeds of the insurance policy will be sufficient to repay the loan in full when it becomes due for repayment.
If you have an interest-only arrangement:
WARNING: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.
If you have a debt consolidation arrangement:
WARNING: This new loan may take longer to pay off than your previous loans. This means you pay more than if you paid over a shorter term.
Please note, the information provided on this website applies to customers whose loans have been sold to a non-regulated third-party firm and on whose behalf Link Asset Services has been appointed to provide loan administration services.
If your loan has not been sold to a third party and remains with the originating bank, please refer to this bank's website for further details in relation to your mortgage repayment difficulties.
Please note that Link Asset Services does not own your mortgage and no new lending is currently provided by Link Asset Services.
For further information about Ulster Bank Ireland DAC customers whose loans are managed by Asset Services, please refer to the below links on the Ulster Bank Ireland DAC Website.