If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. To help find the right solution for your needs you can use our coronavirus support tools for credit cards and loans and for Halifax mortgages. If you have a Bank of Scotland mortgage, find out more here.

SMEs in Financial Difficulty

If you are experiencing financial difficulties, or are in arrears or at risk of going into arrears for any reason, it is important that you engage with us as soon as possible so that we can try to assist you to resolve your financial difficulties

We recognise that each SME that is anticipating or experiencing financial difficulties needs to be considered on a case-by-case basis. If you are an SME experiencing financial difficulties or otherwise at risk of going into arrears, it is important that you immediately contact and work with your Bank of Scotland, Relationship Manager to try and address the situation as soon as possible.

We want to support you in identifying options to help ease your financial difficulties and may be able to assist in identifying an approach to deal with your financial difficulties, your overall debt and your ability to make repayments.

Get in touch

We are happy to help you any way we can, please contact

Bank of ScotlandIreland Asset Management, 1st Floor 10 Gresham Street, London, EC2V 7AE

Tel: 1800 20 03 09  (ROI)

Tel: 0800 092 0757  (NI/UK)



Information Booklet for Borrowers in Financial Difficulties

We have prepared an ‘Information Booklet for Borrowers in Financial Difficulties’ (the “Information Booklet”) for customers who are micro, small and medium-sized enterprises, as defined in the SME Regulations1, who are anticipating or experiencing financial difficulties.

Download BookletPDF, opens in new window