You Could Stay
In Your Home
Irish Homes is Ireland's largest private Mortgage to Rent operator, trusted by families across all 31 Local Authorities to navigate financial difficulty and stay in the homes they love. If you're struggling with your mortgage, we're here to guide you through the Government's scheme, confidentially and at no cost to you.
How Does the Process Work?
The Government's Mortgage to Rent scheme helps homeowners in mortgage difficulty stay in their home. Here's how the process works from start to finish:
Contact Irish Homes Today
The first step is simple — reach out to us. Complete our short contact form or call us directly. Our team will listen to your situation in complete confidence and explain whether the Mortgage to Rent scheme could help you stay in your home.
Speak to your lender, PIP or MABS adviser
If you're struggling with your mortgage, contact your lender, a Personal Insolvency Practitioner (PIP), or a MABS adviser. They will discuss all available options with you, including whether the Mortgage to Rent scheme may be suitable for your situation. There is no shame in seeking help — this is what these services are here for.
Eligibility is assessed
The Housing Agency will carry out an independent eligibility assessment. They will review your income, the size of your mortgage, your property value, and your household circumstances to confirm whether you qualify for the scheme. This step is handled professionally and confidentially.
Property assessments are carried out
Once eligibility is confirmed, a formal valuation and structural assessment of your property is carried out. This ensures the property meets the standards required for social housing and determines the purchase price Irish Homes will pay.
Approval is confirmed
Your case is reviewed and formal approval is granted by the Housing Agency and your Local Authority. At this stage, all parties — including your lender — agree to proceed with the sale under the Mortgage to Rent scheme.
The home is purchased
Irish Homes purchases your home directly from your lender. Your mortgage is cleared in full, removing the financial burden entirely. You do not receive any sale proceeds, but crucially — you do not have to leave your home.
You enter a long-term tenancy
You remain in your home as a social housing tenant under a long-term tenancy agreement with your Local Authority. You pay an affordable, income-based rent — significantly lower than market rates — giving you the security and stability your family needs.
Refurbishment works are completed
Where needed, Irish Homes carries out refurbishment works to bring the property up to the required rental standard. This is done sensitively, with your comfort and daily life taken into account throughout the process.
The Mortgage to Rent Scheme
Stay in the home
you love.
Irish Homes helps families facing mortgage difficulty remain in their homes through the Government's Mortgage to Rent scheme — confidentially and at no cost to you.
Nationwide Coverage
Irish Homes operates across all 31 Local Authority areas in Ireland, providing quality homes for families in every corner of the country.
Videos, Radio & More
Watch our videos, listen to radio interviews, and download brochures — all in one place.
More Than Mortgage to Rent
Irish Homes is a social housing company delivering homes through multiple Government schemes.
Repair & Lease
Bringing vacant properties back into use for social housing through the Government's Repair & Lease scheme.
Long-Term Leasing
Providing secure, long-term leasing arrangements with Local Authorities for quality social housing.
Our Approach
Professional guidance
at every step.
Our experienced team works closely with homeowners, lenders, and Local Authorities to deliver a smooth, stress-free process — from first contact through to long-term tenancy.
Every case is handled with care, confidentiality, and a commitment to keeping families in their homes.
Talk to Us Today
Unit 35, Orion Business Campus, Northwest Business Park, Dublin 15, D15 KP74