Mortgage to Rent in Ireland

"Our message is simple. Do not wait until your circumstances reach a crisis point. If your mortgage is unsustainable, seek an assessment now and establish whether you qualify."— Stephen Curtis, CEO of Irish Homes

Drawn from our own analysis of over 600 MTR cases, which found homeowners availing of the scheme were in 27% negative equity on average — as property prices rise, the scheme's value and equity caps mean that window of eligibility can narrow before someone acts.

"The mortgage to rent scheme offers a practical solution and gives individuals and families peace of mind."— Minister for Housing Darragh O'Brien

This followed the Government raising the scheme's property price ceilings — a change that's opened Mortgage to Rent up to more of the families we work with.

"The report says it should be widely promoted in order to help meet the agreed targets under Housing for All."

That's consistent with our own experience: awareness, not eligibility, is often the biggest barrier we see homeowners in mortgage arrears face.

"For someone in mortgage arrears to lose their home is hugely difficult and stressful."— Minister for Housing Darragh O'Brien

It's the reason our own process is built around a single Tenant Liaison Officer guiding each family from first contact through to completion — 65% of our cases now close within 12 months.