Free and Confidential
Worried about your mortgage?Let's talk through your first step.
You can speak to Inga or Alex about Mortgage to Rent and what might happen next, whether or not your lender has contacted you.
We can explain Irish Homes' role and walk you through the steps, or help you find independent advice about your options.
Or call 01 525 2537. A conversation is a first step. You do not need to have all your paperwork ready to ask a question.
Inga
Client Relations Manager
Alex
Housing Compliance Officer
What Is Mortgage to Rent?
Mortgage to Rent may allow an eligible homeowner who cannot sustainably repay their mortgage to remain in their home as a social housing tenant.
You would no longer own the home. You would pay rent as a tenant. Whether the scheme is suitable depends on your circumstances and the scheme's assessment process.
Irish Homes is an approved Mortgage to Rent operator. We can explain our part in the process. Your lender, the Housing Agency and your local authority also have roles; speaking to us does not confirm eligibility.
Read the Housing Agency's scheme information →
Playing loads this video from YouTube, which may set cookies.
This is Jason. Jason bought his house in 2007. A small estate, a good street, a school at the end of the road. Then the work dried up. He missed one payment, then another. That was more than 15 years ago. Jason has been in mortgage arrears ever since. The letters kept coming. So did the phone calls. And so did the same thought at 3:00 in the morning: what happens to us if we lose the house?
Jason believed he had only two endings. Find money he does not have, or hand back the keys. There is a third. It is called Mortgage to Rent.
Mortgage to Rent is a scheme of the Government of Ireland. It was built for homeowners in long-term difficulty who want to stay exactly where they are. Here is how it works, step by step.
One. Jason talks to us. One conversation, free and private, with no obligation and no judgement.
Two. We check whether he qualifies: arrears he cannot realistically recover from, one property suited to his household, and a household that would qualify for social housing support.
Three. We do the heavy lifting: his lender, the valuation, the local authority. The paperwork is ours, not his.
Four. The house is bought by an approved Mortgage to Rent provider, and the mortgage Jason could never repay is settled.
And here is the part people do not expect. Jason does not move. He stays in the same house as a tenant on a long-term tenancy, paying a rent set against what he can genuinely afford rather than the open market. Same house, same street, same school, same neighbours. And in some cases, if circumstances improve, there is a route back to owning the home again.
Jason is an illustration, not a real customer. His situation is one we meet across Ireland every week. Eligibility criteria apply, and every case is assessed on its own facts.
If any of this sounds like your own situation, the first step costs nothing. One call will tell you honestly where you stand. You may have far more options than you think.
Who Can Apply?
To qualify, all six of these must apply. Your lender, the Housing Agency and your local authority make the final decision, so use this as a guide before you talk to us.
1
Your mortgage
- You are in arrears on the mortgage on your family home.
- Your lender has classified the mortgage as unsustainable. This is the lender's decision, not a self-assessment.
- You have engaged with your lender's Mortgage Arrears Resolution Process (MARP).
2
Your home
- This is your only property and your primary residence.
- It is not rented out or held as an investment.
- No one in your household owns another property, in Ireland or abroad.
- You are willing to give up ownership and become a tenant of an Approved Housing Body or your local authority.
3
Property value
- The current market value of your home is at or below the limit for your area (see the table below).
- Value is based on today's estimated market price, not what you paid or what you owe.
4
What your home is worth compared to what you owe
- You owe more than your home is worth, or
- Your home is worth more than you owe, by no more than the limit for your area (see below).
5
Social housing and income
- You are on, or eligible for, your local authority's social housing list.
- Your net household income is within the limit for your household and area.
- You have a long-term right to remain in Ireland.
6
Size of your home
- Your home suits your household's needs: not overcrowded, and not more than two spare bedrooms over what you need.
- A larger home may still qualify if a borrower is 65 or over, or a household member has a disability and the home is adapted or suited to their needs.
Property value limits
| Area | House | Apartment or townhouse |
|---|---|---|
| Dublin, Kildare, Meath, Wicklow, Louth, Cork and Galway | €515,000 | €385,000 |
| All other counties | €395,000 | €265,000 |
If your home is worth more than you owe
The difference between your home's value and what you owe on your mortgage (called positive equity) must be no more than:
€50,000Cork City, Dublin City, Dún Laoghaire-Rathdown, Fingal, Galway City, Meath, South Dublin, Kildare, Wicklow
€45,000Carlow, Clare, Cork County, Galway County, Kerry, Kilkenny, Laois, Limerick City and County, Louth, Westmeath, Wexford, Waterford City and County
€40,000Cavan, Donegal, Leitrim, Longford, Mayo, Monaghan, Offaly, Roscommon, Sligo, Tipperary
If you owe more than your home is worth, these limits don't apply.
Limits as published by the Housing Agency, checked 12 October 2026.
Net household income limits
To check the income limits for your household, contact your MABS adviser, Personal Insolvency Practitioner (PIP) or another independent adviser.
Hear from people who've been where you are.
People who have been through Mortgage to Rent with Irish Homes share their experiences.
Playing loads this video from YouTube, which may set cookies.
Jason's story: how Mortgage to Rent saved my home
Hi, I'm Jason, and this is pretty much my story. I fell into serious arrears on my mortgage. Years of worry. Every knock at the door, you're thinking, am I out of my house? Am I going to be evicted? Letters from the banks were non-stop. It's been going on for years, and I said, I can't keep this up.
I went to MABS and they put me on a scheme, but you have to qualify for it. You just don't automatically get it. It took nearly a year to qualify for it. It's called Mortgage to Rent.
The lads have been here now for the last three weeks doing an amazing job. They're all really, really sound people. They don't judge. They've upgraded my house. They've done loads of work here.
One of the best things I've ever done in my life. The stress and worry is lifted off my shoulders and it's absolutely amazing. I let it go too long, to be honest. I was sitting like for four or five years worrying and stressing. I'd recommend it to anyone. Don't be sitting there worrying, because there is help there. The process took me two and a half years. It doesn't happen overnight. But the minute you start the process, there's a lot of worry taken off your shoulders, because you know there's help there. So the main thing is, go and get the help, and don't be ashamed to ask for help.
Things weren't good at all. I wasn't really living, to be honest with you. I was just existing in the house. I let the house go to rack and ruin because it wasn't mine anymore. I didn't know, if I woke up in the morning, would I still be in my house? But now it's like a home again. I actually feel safe here and I can make it a home again. It's just a new start for me. It's like life starting again. I haven't felt like that for a long time.
My advice to anyone: don't be hiding behind closed doors and pretending everything's okay when it's not. And don't be ashamed to ask for help. Everyone has a situation sometimes where you have to ask for help. You just have to. The help is there.
It's the best thing I've done in the last ten years. I can get on with my life now, because I feel like I have a secure home. So now I can concentrate on rebuilding myself, rebuilding my home. Anyone that's worrying about their mortgage, I'm telling you, I recommend the scheme. It's changed my life, and I'm looking forward to seeing what's going to come in the future. Definitely don't be sitting there worrying.
Playing loads this video from YouTube, which may set cookies.
Mark's story: Mortgage to Rent with Irish Homes
The Mortgage to Rent scheme has helped me because I got into difficulty a few years ago, and going on the Mortgage to Rent scheme changed my life. It took away the stress of struggling to pay a big mortgage, and I still have a home. They revamped the whole house for me and everything, and they were very professional. I'd highly recommend them.
The process was absolutely well laid out. Everything was explained to me. I went to MABS, who were absolutely fantastic, and they actually set me on the road to Mortgage to Rent. Everything was clearly outlined and explained to me from start to finish, and they were always in contact with me, telling me this person is coming, that person is coming. Everything was communicated well. It took me about nine or ten months to get through the whole scheme from start to finish.
Irish Homes were in contact every few weeks, advising me what was happening: we need to do this, we need to do that. And when they came to do the works on the house, they communicated everything to me. They were very strategic in the way that they planned it. They came in, they worked around me, so they catered for my needs, and they were very professional. I can't praise them enough.
I would absolutely, highly recommend the Mortgage to Rent scheme to anybody. I don't know why more people don't do it. The burden that it has lifted off me, it has changed my life completely.
Transcripts lightly edited for readability (repetitions and filler words removed); meaning unchanged.
"
"I'm still in my house and the weight off my shoulders is incredible."
Mary, Co. Cork
"
"The team were so kind and patient."
Breda, Co. Galway
Every situation is different. These experiences do not confirm whether you would qualify for Mortgage to Rent.
Read more experiences →Find independent advice near you.
MABS and Citizens Information are independent of Irish Homes. You can speak to them about your options before deciding whether to contact us.
Choose your county
Your local services
Choose your county to see your local MABS and Citizens Information offices, with addresses and phone numbers.
National helplines
MABS Helpline: 0818 07 2000
Citizens Information Phone Service: 0818 07 4000 (Monday to Friday, 9am to 8pm)
All local offices by county
Every MABS office and Citizens Information Centre in Ireland, listed by county.
Independent advice in Carlow
MABS: free money and debt advice
- Carlow MABS, 72D Tullow Street, Carlow, R93 ED82. 0818 07 2070
Citizens Information Centres
- Carlow CIC, 43 Tullow Street, Carlow, R93WK8V. 0818 07 5130
Independent advice in Cavan
MABS: free money and debt advice
- Cavan MABS, 1st Floor, Elm House, Kinnypottle, Cavan, H12 A8H7. 0818 07 2410
Citizens Information Centres
- Cavan CIC, Ground Floor, Elm House, Elm Bank, Cavan, H12A8H7. 0818 07 5200
Independent advice in Clare
MABS: free money and debt advice
- Clare MABS, Ennis, 7 The Mall, Clare Road, Ennis, V95 WNP6. 0818 07 2430
Citizens Information Centres
- Ennis CIC, Bindon Lane, Bank Place, Ennis, V95 D963. 0818 07 5260
- Kilrush CIC, Frances Street, Kilrush, V15 W825. 0818 07 5310
- Shannon CIC, Unit 5, Shannon Business Centre, Shannon, Shannon, V14 ED61. 0818 07 5370
Independent advice in Cork
MABS: free money and debt advice
- Cork MABS, Charleville, Rathgoggin South, Charleville, P56 PP93. 0818 07 2420
- Cork MABS, Cork City, Ground Floor, 101 North Main Street, Cork, T12 AKA6. 0818 07 2090
- Cork MABS (North), Mallow, 25 O'Brien Street, Mallow, P51 WF90. 0818 07 2440
- Cork MABS (West), Dunmanway, Unit 10A, Underhill Commercial Park, Dunmanway, P47 RX83. 0818 07 2450
Citizens Information Centres
- Bantry CIC, Vickery's Complex, New Street, Bantry, P75 C651. 0818 07 8390
- Blackpool CIC, Blackpool Community Centre, 90 Great William O'Brien Street, Blackpool, Cork, T23 TR7A. 0818 07 6890
- Cobh CIC, 8 Pearse Square, Cobh, P24 A526. 0818 07 7960
- Cork City Centre CIC, 13-15 Cornmarket Street, Cork City, T12 F773. 0818 07 6950
- Fermoy CIC, 66, Lower Patrick Street, Fermoy, P61 EO36. 0818 07 7970
- Hollyhill / Knocknaheeny CIC, Community Building, Foyle Avenue, Knocknaheeny, Cork, T23 KHE0. 0818 07 6850
- Macroom CIC, South Square, Macroom, P12 HK40. 0818 07 8430
- Mallow CIC, 18.1 Market Square, Mallow, P51 X9VE. 0818 07 8000
- Youghal CIC, 128 North Main Street, Youghal, P36 YD23. 0818 07 8040
Independent advice in Donegal
MABS: free money and debt advice
- Donegal MABS (North), Letterkenny, First Floor, Forte Lynne House, Letterkenny F92 R6NF. 0818 07 2460
- Donegal MABS (South), Donegal town, Donegal Public Services Centre, Drumlonagher, Donegal Town, Co. Donegal, F94 DK6C. 0818 07 2480
- Donegal MABS (West) / Iarthar Dun na nGall, Derrybeg, Derrybeg, F92 KF82. 0818 07 2650
Citizens Information Centres
- Buncrana CIC, 12 Lower Main Street, Buncrana, F93 H9PP. 0818 07 5490
- Carndonagh CIC, Public Services Centre, Malin Road, Carndonagh, F93 YV1N. 0818 07 5500
- Donegal Town CIC, Donegal Town Citizens Information Centre, Public Services Centre, Drumlonagher, Donegal Town, F94 DK6C. 0818 07 5510
- Dungloe CIC, Dungloe Citizens Information Centre, Public Services Centre, Gweedore Road, Dungloe, F94H4CF. 0818 07 5430
- Letterkenny CIC, Letterkenny Citizens Information Centre, Public Services Centre, Neil T Blaney Road, Letterkenny, F92 TNY3. 0818 07 5530
- Milford CIC, Milford Citizens Information Centre, Public Services Centre, Milford, F92 TD0P. 0818 07 5450
Independent advice in Dublin
MABS: free money and debt advice
- Dublin South MABS, Ballyfermot, Ballyfermot Civic Community Centre, Ballyfermot Road, Drumfinn, Dublin, D10 T042. 0818 07 2800
- Dublin South MABS, Clondalkin, Civic Offices, Ninth Lock Road, Clondalkin, Dublin 22, D22 E9X5. 0818 07 2270
- Dublin South MABS, Dun Laoghaire, Marina House, Clarence Street, Dun Laoghaire, Dublin, A96 V803. 0818 07 2530
- Dublin South MABS, Lombard Street, 26-28 Lombard Street, Dublin 2, D02 X898. 0818 07 2520
- Dublin South MABS, Tallaght, Hainault House, The Square, Tallaght, Dublin 24, D24 RFV0. 0818 07 2370
- Dundrum MABS, Dublin, 1A Upper Kilmacud Road, Dundrum, Dublin 14, D14 EY13. 0818 07 2310
- North Dublin MABS, Ballymun Office, Main Street, Ballymun, Dublin 9, D09 K8W2. 0818 07 2150
- North Dublin MABS, Blanchardstown Office, 7A Church Ave, Blanchardstown, Dublin, D15 TX40. 0818 07 2330
- North Dublin MABS, City Centre Office, 8 Exchange Place, IFSC, Dublin 1, D01 E925. 0818 07 2510
- North Dublin MABS, Coolock Office, Northside Civic Centre, Bunratty Road, Kilmore, Coolock, Co. Dublin, D17 K462. 0818 07 2290
- North Dublin MABS, Finglas Office, 5 Church Street, Finglas, Dublin 11, D11 XF78. 0818 07 2170
- North Dublin MABS, Swords Office (Fingal), Third Floor, North Colonnade, The Plaza Village, Swords, K67 R9X9. 0818 07 2550
Citizens Information Centres
- Balbriggan CIC, 1st Floor, Balbriggan Library, George's Square, Balbriggan, K32X597. 0818 07 7450
- Ballyfermot CIC, Ballyfermot Community Civic Centre, Ballyfermot Road, Ballyfermot, Dublin 10, D10 T042. 0818 07 5000
- Ballymun CIC, Ballymun CIC, Ballymun Civic Centre, Main Street, Ballymun, Dublin 9, D09C8P5. 0818 07 7330
- Blanchardstown CIC, Westend House, Westend Business Park, Snugborough Road Extension, Blanchardstown, D15 KPW7. 0818 07 5040
- Cabra CIC, Deaf Village Ireland, Ratoath Road, Cabra West, Dublin 7, D07P973. 0818 07 8471
- Carmelite CIC, Carmelite Community Centre, 56 Aungier Street, Dublin 2, D02 R598. 0818 07 7180
- Clondalkin CIC, Luke Cullen House, Oakfield Industrial Estate, Clondalkin, Dublin 22, D22 A9C6. 0818 07 5100
- Dublin 12 & 6w CIC, 8 Sundrive Road, Kimmage, Dublin, D12 TP82. 0818 07 7020
- Dublin City Centre CIC, Montgomery House, James Joyce St, City Centre, D01 H5F1. 0818 07 7230
- Dublin City North West CIC, The MACRO Community Resource Centre, 1 Green Street, Dublin 7, D07X6NR. 0818 07 7270
- Dun Laoghaire CIC, Marina House, Clarence Street, Dun Laoghaire, A96 P6P7. 0818 07 7400
- Dundrum CIC, Unit 2, 5th Level (Above Tesco), Dundrum Town Centre, Sandyford Road, Dundrum, D16 X4K7. 0818 07 7430
- Finglas CIC, 1B Village Centre, Finglas Village, (beside PermanentTSB Bank), Finglas Dublin 11, D11P02P. 0818 07 7360
- Liberties CIC (Usher Street), Unit 1, Mellowes Quay, Usher Street, Dublin 8, D08 CY9N. 0818 07 7180
- Lucan CIC, Ballyowen Castle Community Centre, Ballyowen, Lucan, K78 X6V9. 0818 07 5090
- Malahide CIC, 2nd Floor Malahide Library, Main Street, Malahide, K36 EW63. 0818 07 7480
- Northside CIC, Northside Civic Centre, Bunratty Road., Coolock, D17 K462. 0818 07 8190
- Swords CIC, Unit 26, The Plaza, Main Street, Swords, K67 W138. 0818 07 7510
- Tallaght CIC, Hainault House, Belgard Square South, Tallaght, D24 RFV0. 0818 07 8340
Independent advice in Galway
MABS: free money and debt advice
- Galway MABS, Loughrea (Sub Office), Piggott Street, Loughrea, H62 H721. 0818 07 2580
- Galway MABS (North), Tuam, Unit 4, Mellows House, Barrack Street, Tuam, H54 Y677. 0818 07 2560
- Galway MABS (South), Galway City, Aran Suite, Granary Suites, 58 Lower Dominick Street, Galway H91 D296. 0818 07 2570
Citizens Information Centres
- Clifden CIC, Station House Courtyard, Clifden, H71 EF68. 0818 07 7580
- Galway CIC, Augustine House, St Augustine Street, Galway, H91Y7XH. 0818 07 7600
- Rosmuc CIC, Rosmuc Innovation Centre, Rosmuc, Ionad Fiontair, Rosmuc, Keeloges Old, County Galway, H91 F3FX. 0818 07 7600
- Tuam CIC, Centre for Education and Development Building (CED), Bru Bhride, Church View, Tuam, H54 EY24. 0818 07 7740
Independent advice in Kerry
MABS: free money and debt advice
- Kerry MABS, Killarney, Unit 2, First Floor, Park Court, Beech Road, Killarney V93 PY6X. 0818 07 7827
- Kerry MABS, Tralee, Unit 2, Liber House, Monavalley, Tralee, V92 E6K1. 0818 07 2190
Citizens Information Centres
- Caherciveen CIC, The Library, New Market Street, Caherciveen, V23 H523. 0818 07 7780
- Killarney CIC, Unit 2, 1st Floor, Park Court, Beech Road, Killarney, V93 PY6X. 0818 07 7820
- Tralee CIC, 4 Bridge Lane, Tralee, V92 XE22. 0818 07 7860
Independent advice in Kildare
MABS: free money and debt advice
- Kildare MABS, Kilcock, Unit 3 Millennium House Harbour View, Kilcock, Co. Kildare, W23 Y5D1. 0818 07 2590
- Kildare MABS, Newbridge, Henry Street, Newbridge, W12 EV81. 0818 07 2600
Citizens Information Centres
- Maynooth CIC, Derroon House, Dublin Road, Maynooth, W23 D5D3. 0818 07 8100
- Newbridge CIC, Cutlery Road, Newbridge, Kildare, W12D596. 0818 07 8300
Independent advice in Kilkenny
MABS: free money and debt advice
- Kilkenny MABS, 4 The Parade, Gardens, Kilkenny, R95 VO52. 0818 07 2610
Citizens Information Centres
- Kilkenny CIC, 4 The Parade, Kilkenny, R95 VO52. 0818 07 7910
Independent advice in Laois
MABS: free money and debt advice
- Laois MABS, Railway Mews, Railway Street, Portlaoise, R32 K298. 0818 07 2620
Citizens Information Centres
- Portlaoise CIC, Portlaoise CIC, Kellyville Centre, Lyster Square, Portlaoise, R32 K6PY. 0818 07 5590
Independent advice in Leitrim
MABS: free money and debt advice
- Leitrim MABS, Swanlinbar Road, Ballinamore, N41 E177. 0818 07 2630
Citizens Information Centres
- Carrick-on-Shannon CIC, Somerview House, Dublin Road, Carrick-on-Shannon, N41 E209. 0818 07 5670
- Manorhamilton CIC, Main Street, Manorhamilton, F91 AYT0. 0818 07 5710
Independent advice in Limerick
MABS: free money and debt advice
- Limerick MABS, Floor 1, Riverstone House, 23-27 Henry Street, Limerick, V94 3T28. 0818 07 2210
Citizens Information Centres
- Kilmallock CIC, Pastoral Centre, Sheare's Street, Killmallock, Killmallock, V35 AH77. 0818 07 5770
- Limerick CIC, Ground Floor, Riverstone House, Henry Street, Limerick, V94 3T28. 0818 07 5780
- Newcastlewest CIC, 1st Floor, The Desmond Complex, Gortboy, Newcastlewest, V42 WT20. 0818 07 5820
Independent advice in Longford
MABS: free money and debt advice
- Longford MABS, Fee Court, 1 Church Street, Longford, N39 W1X7. 0818 07 2640
Citizens Information Centres
- Longford CIC, Level 1, Longford Shopping Centre, (Just above TESCO), Longford, N39 X090. 0818 07 5890
Independent advice in Louth
MABS: free money and debt advice
- Louth MABS, Drogheda, 1 Mayoralty Street, Drogheda, A92 ADC9. 0818 07 2490
- Louth MABS, Dundalk, 58/59 Anne Street, Dundalk, A91 RF97. 0818 07 2540
Citizens Information Centres
- Drogheda CIC, 86 West Street, Drogheda, A92 X209. 0818 07 5940
- Dundalk CIC, 3 - 6 Adelphi Plaza, Long Walk, Dundalk, A91 NN 83. 0818 07 5950
Independent advice in Mayo
MABS: free money and debt advice
- Mayo MABS (North), Ballina, Cualgara, Teeling Street, Ballina, F26 WD35. 0818 07 2660
- Mayo MABS (South), Castlebar, Unit 14, Nephin Halls, Unit 14, Hopkins Rd, Castlebar, Co. Mayo, F23 NF82. 0818 07 2670
Citizens Information Centres
- Ballina CIC, Dillon Terrace, Ballina, F26W218. 0818 07 5990
- Belmullet CIC, Main Street, Belmullet, F26 N8C3. 0818 07 6030
- Castlebar CIC, Cavendish House, Hopkins Road, Castlebar, F23PX44. 0818 07 6040
- Claremorris CIC, CURAM Centre, Dalton Street, Claremorris, F12F6C5. 0818 07 6080
- Westport CIC, The Courtyard, James Street, Westport, F28 X052. 0818 07 6100
Independent advice in Meath
MABS: free money and debt advice
- Meath MABS, 1st Floor, 1B Brews Hill, Navan, C15 XR8Y. 0818 07 2680
Citizens Information Centres
- Ashbourne CIC, Unit 43, High Street, Ashbourne, Ashbourne, A84 FX66. 0818 07 6110
- Navan CIC, Floor 2, 1 Cannon Row, Navan, C15 XR8Y. 0818 07 6150
- Trim CIC, Unit 3, The Old Forge, Haggard Street, Trim, C15 C942. 0818 07 6180
Independent advice in Monaghan
MABS: free money and debt advice
- Monaghan MABS, 3rd Floor, Bramley House, 1 Muckno St, Drumillard Little, Castleblayney, Co. Monaghan, A75 Y034. 0818 07 2690
Citizens Information Centres
- Carrickmacross CIC, Carrickmacross CIC, Carrickmacross Workhouse, Shercock Road, Mullanarry, Carrickmacross, A81 E372. 0818 07 6200
- Monaghan CIC, 23 North Road, Monaghan, H18 D232. 0818 07 6230
Independent advice in Offaly
MABS: free money and debt advice
- Offaly MABS, Unit 23A, The Bridge Centre, Tullamore, R35 P923. 0818 07 2710
Citizens Information Centres
- Birr CIC, The Courtyard Office Centre, Emmet Street, Birr, R42 HW63. 0818 07 6260
- Edenderry CIC, St Mary's Street, Edenderry, R45 PD79. 0818 07 6280
- Tullamore CIC, Level One, The Bridge Centre, Tullamore, R35Y6Y7. 0818 07 6290
Independent advice in Roscommon
MABS: free money and debt advice
- Roscommon MABS, Tower Block A, Roscommon West Business Park, Golf Links Road, Roscommon, F42 TD98. 0818 07 2720
Citizens Information Centres
- Boyle CIC, 7 Elphin Street, Boyle, F52 WT 25. 0818 07 6330
- Roscommon CIC, Unit 9,1st Floor, Tower Block B, West Business Park, Golf Links Road, Roscommon, F42TD98. 0818 07 6360
Independent advice in Sligo
MABS: free money and debt advice
- Sligo MABS, Carbury House, Fish Quay, Sligo, F91 F8YY. 0818 07 2730
Citizens Information Centres
- Sligo CIC, Unit 3 & 4, Bridgewater House, Rockwood Parade, Sligo, F91 Y9YY. 0818 07 6390
- Tubbercurry CIC, Teach Laighne, Humbert Street, Tubbercurry, Tubbercurry, F91 K5DW. 071 912 0433
Independent advice in Tipperary
MABS: free money and debt advice
- Tipperary MABS (North), Nenagh, 31 Pearse Street, Nenagh, E45 K825. 0818 07 2760
- Tipperary MABS (North), Thurles, Mall House, Slievenamon Road, Thurles, E41 R6C9. 0818 07 2740
- Tipperary MABS (South), Carrick-on-Suir, Clancy House, Greenside, Carrick-on-Suir, Co. Tipperary, E32 P928. 0818 07 2810
- Tipperary MABS (South), Clonmel, Anglesea House, Anglesea Street, Clonmel, E91 H2Y2. 0818 07 2750
- Tipperary MABS (South), Tipperary, 13 Davis Street, Tipperary Town, E34 DW40. 0818 07 2130
Citizens Information Centres
- Clonmel CIC, 1st Floor, Tower House, New Quay, Clonmel, E91 K2F4. 0818 07 6460
- Nenagh CIC, 16/17 Pearse Street, Nenagh, E45 HV06. 0818 07 6470
- Roscrea CIC, Rosemary Street, Roscrea, E53 DD35. 0818 07 6480
- Thurles CIC, 2nd Floor, Mall House (Over Ely's Centra), Slievenamon Road, Thurles, E41 R6C9. 0818 07 6510
- Tipperary CIC, Community Centre, St. Michael Street, Tipperary, E34 KI56. 0818 07 6540
Independent advice in Waterford
MABS: free money and debt advice
- Waterford MABS, 6B Wallace House, Maritana Gate, Canada Street, Waterford, X91 DR60. 0818 07 2050
- Waterford MABS (West), Dungarvan, Civic Offices, Davitts Quay, Dungarvan, X35 Y326. 0818 07 2770
Citizens Information Centres
- Dungarvan CIC, Scanlon's Yard Car Park, Dungarvan, X35 NT68. 0818 07 6550
- Merchants Quay CIC, 41 Merchant's Quay, Waterford, X91 YA89. 0818 07 6560
- Waterford CIC, 37 Lower Yellow Road, Waterford, X91 C7WT. 0818 07 6580
Independent advice in Westmeath
MABS: free money and debt advice
- Westmeath MABS, Athlone, 1st Floor, Arcadia Retail Centre, Athlone, Co. Westmeath, N37 T0H3. 0818 07 2400
- Westmeath MABS, Mullingar, 2nd Floor, Millennium House, Church Avenue, Mullingar, Co Westmeath, N91 R25C. 0818 07 2700
Citizens Information Centres
- Athlone CIC, Office 2, Floor 1, Arcadia Retail Centre, (Opposite Mixed Nat. School), Athlone, N37TOH3. 0818 07 6610
- Mullingar CIC, Mount Street, (County Buildings Complex), Mullingar, N91 RP22. 0818 07 6660
Independent advice in Wexford
MABS: free money and debt advice
- Wexford MABS, Gorey (serviced by Arklow MABS), Unit 1B The Palms Centre, The Avenue, Gorey, Y25 P6R3. 0818 07 2390
- Wexford MABS, Whitemill North, The Exchange, Whitemill Industrial Estate, Wexford, Y35 NPP0. 0818 07 2780
Citizens Information Centres
- Gorey CIC, Unit 1B The Palms Centre, The Avenue, Gorey, Y25Y5P3. 0818 07 6700
- Wexford CIC, 28 Henrietta Street, Wexford, Y35 XN96. 0818 07 6720
Independent advice in Wicklow
MABS: free money and debt advice
- Wicklow MABS, Arklow, Arus Lorcain, Castle Park, Arklow, Y14 R822. 0818 07 2390
- Wicklow MABS, Bray, 2 The Boulevard, Quinsboro Road, Bray, A98 P9C2. 0818 07 2250
Citizens Information Centres
- Arklow CIC, 73 Lower Main Street, Arklow, Y14 TR88. 0818 07 6750
- Bray CIC, 2 The Boulevard, Quinsboro Road, Bray, A98 F6A2. 0818 07 6780
- Virtual CIC in Wicklow Town Library, Wicklow Library, The Mall, Main Street, Wicklow, A67 X504. 0818 07 6780
From the MABS and Citizens Information websites.
Talk to Irish Homes
Ask Inga or Alex to call you back, or call us now. You don't need any paperwork to ask a question.
What to Expect
- 1Tell us what you would like to understand.
- 2We'll explain Irish Homes' part in the process.
- 3Together, agree a next step.
All enquiries are confidential.
If you have a recent lender letter to hand, it may help the conversation. You do not need to upload documents here.
If you are helping someone else, use your own contact details. Please leave private financial information for the conversation.
Your Questions
A few things you may want to know before you get in touch.
Talk to your lender first and take part in their Mortgage Arrears Resolution Process (MARP). You can also get free, independent advice from MABS on 0818 07 2000, including through the Abhaile service. Depending on your circumstances, options may include restructuring your mortgage, a personal insolvency arrangement, or Mortgage to Rent. Mortgage to Rent is one option, not the only one. Irish Homes can explain how it works and whether it may suit you.
Yes. You can ask us about Mortgage to Rent and our role. Your lender will need to be involved if you go on to explore the scheme.
No. Mortgage to Rent involves giving up ownership and remaining in the home as a social housing tenant, if the scheme proceeds.
We can explain the process and discuss what may happen next. Eligibility is decided through the scheme assessment process, involving your lender, the Housing Agency and your local authority.
Yes. MABS and Citizens Information are independent of Irish Homes. MABS can also explain how to access Abhaile support.
You can ask an initial question without uploading documents. If you have a recent lender letter, it may help your conversation. We will explain what is needed if your enquiry moves forward.
Yes. Use your own contact details to start the conversation and explain that you are helping someone else. Any further sharing of their information will need to be handled with them.
Still have questions? We're here to help.
All enquiries are confidential.