Income and expenditure form
Step one
Enter your contact details
Step 2
Request an access code on the next page. We’ll send you this by text.
Step 3
Complete your form online.
Please call us on 0800 169 9722* if you need help.
Can’t complete the form in one go?
Don’t worry – you can save your information at any point and come back to it. We’ll send you a link by email when you complete step 1. When you’re ready, use the link to pick up where you left off.
Income & Expenditure Form
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Enter access code
If you don’t receive your code please go back and make sure your mobile number is correct and try again. If you’re still having problems, please click here.
If you're facing a financial challenge, we want to support you. To help us understand your situation, please fill out this form. It will allow us to offer a solution that’s best for you.
This form should take about 30 minutes to complete. Don’t worry if you can’t finish it in one go. We’ve sent you an email link so you can come back to it when you’re ready.
You might find it easier if you have the following ready for everyone named on the mortgage account:
Mortgage account number
Work phone number
What age do you plan to retire?
As there are more than two people named on the mortgage, you won’t be able to complete this form online. Please download and print the form, fill it in, and send it back to us. If you can’t do this, you can request a paper copy which we’ll post to you. All borrowers named on the mortgage need to provide their details.
Tell us about your household and employment. Please give us the combined details for all borrowers, even if you live at a different address. If you share dependants or vehicles, you only need to list them once.
How many people live in your household?
How many dependants under the age of 14 do you support financially?
How many dependants aged 14 or over do you support financially?
How many vehicles do you own?
Please tell us more about the monthly income received for each borrower named on the mortgage.
If you get paid every four weeks, multiply the amount by 13 and divide by 12:
Amount x 13
12
Tell us about all your monthly household outgoings. These are the costs you pay to run your household as listed below.
If you pay a bill annually, divide this amount by 12.
You must include the outgoings for everyone named on the mortgage. If you live at separate addresses, you need to include all the costs for each property.
Do you have any other household outgoings not mentioned above? Don’t include credit commitments, such as credit or store cards, loans or overdrafts. We'll ask for these details in the next section.
Excluding mortgages, do you have any other credit commitments?
Tell us about all the properties owned by you and any other borrower. The properties could be mortgaged in sole or joint names with someone else or owned outright.
You must include your main home or other properties you use to live in, properties that you let out and holiday homes.
Is the Bank of Ireland mortgage on your main residence?
Do you or any other borrower(s) own another property. For example second homes, holiday homes or rental properties.
Tell us about any savings, investment plans, or policies held by all borrowers.
For multiple bank or building society accounts, and stocks and shares investments, please enter:
Do you or any other borrower have savings or investments that are held with a bank or building society?
Do you or any other borrower have another types of investment, excluding properties?
Is there anything else you'd like to tell us that might help us to understand your situation better?
How much can you afford to pay towards your mortgage?
Check the information below, which provides an overview of what you've told us. When you're happy, just submit the form or you can go back to make any changes.
How many dependants under the age of 14 do you support financially?
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How many dependants aged 14 or over do you support financially?
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Mortgage payment(s):
Endowment:
Rent:
Ground rent and service charge:
Other secured loans. For example, car loans:
Building/contents insurance:
Pension:
Other insurance:
Court fines:
Maintenance/Child Support:
Total - essential expenses:
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Council tax:
Gas:
Electricity:
Water:
Any other fuels - coal, oil etc:
TV licence:
Total - utilities
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Road tax:
Car insurance:
Fuel:
MOT/service/maintenance:
Parking:
Breakdown/recovery:
Public transport:
Total - travel:
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{{ Travel.MOTServiceMaintenance | number:2 }}
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Home phone:
Mobile phone:
Internet:
TV Subscriptions/streaming services:
Total - communications:
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Food/toiletries/cleaning:
Clothing/footwear:
Childcare:
Nappies/baby items:
School/work meals:
Medical, including prescriptions and dentist:
Pets - foods, vets, insurance:
Total - living costs
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{{ LivingCosts.SchoolWorkMeals | number:2 }}
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Health insurance:
Repairs/property maintenance:
Hairdressing:
Alcohol/cigarettes:
Pocket money/school trips/clubs:
Holiday/special occasions:
Gifts:
Charities:
Total - additional expenditure
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Excluding mortgages, do you have any other credit commitments?
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Is the Bank of Ireland mortgage on your main residence?
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Do you or any other borrower(s) own another property? For example second homes, holiday homes or rental properties?
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Total outstanding mortgage balance across all other properties:
Total equity held across all other properties:
Do you or any joint borrower have savings or investments that are held with a bank or building society?
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Total value of shares and investments:
Do you or any joint borrower have any investment plans or endowment policies?
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Do you or any joint borrower have another types of investment, excluding properties?
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Tell us more about your situation and why you need our help:
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How much can you afford to pay towards your mortgage?
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Have you had any independent financial advice?
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Total monthly disposable income
You'll get an email to confirm we've received your information. We'll be in touch within five working days to talk through your options. We may ask you for further details which will allow us to help you.
Please call us on 0800 169 9722* if you need to make any changes to your form once you’ve submitted it.
* Visit bankofirelanduk.com/BSL to call using a British Sign Language (BSL) interpreter. To call using text Relay, dial 18001 then the number you want to call using a textphone or the Relay UK app. All calls are recorded for training and monitoring purposes. Lines are open 9am – 5pm, Monday to Friday. We’re closed on Bank Holidays. 03 calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages.
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Bank of Ireland Group provides mortgages in the UK either through “Bank of Ireland Mortgages” which is a trading name of the Governor and Company of the Bank of Ireland or “Bank of Ireland UK” which is a trading name of Bank of Ireland (UK) plc. If you are in any doubt as to your mortgage provider or have any queries relating to our UK mortgage products or services please contact our UK administration centre at:- Bank of Ireland (UK Mortgages), PO Box 3191, One Temple Quay, Bristol, BS1 9HY. Telephone: (0117) 979 2222. Fax: (0117) 929 3787. Website: www.bankofirelandmortgages.co.uk
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