Mortgage to Rent is a government backed scheme that clears the mortgage you can no longer pay and lets you stay in the very same home as a secure, long term tenant. Same house. Same street. Same schools. A fresh start without the fear.
A recognised state scheme. Delivered with approved housing bodies and your local authority.
We do the heavy lifting. The lender, the paperwork, the housing body. All handled for you.
You may even buy it back. Some households return to ownership when their circumstances improve.
You are not alone in this
Thousands of Irish families have fallen behind on a mortgage after an illness, a job loss, a separation or simply years of rising costs. It is not a failure. It is a situation, and situations have solutions.
The worst thing you can do is nothing, because arrears grow and options narrow. The best thing you can do costs nothing at all: find out where you stand.
Mortgage to Rent was built for exactly this moment.
What Mortgage to Rent gives you
You transfer ownership to an approved housing body, and in return the mortgage is settled and you remain in the property as a tenant, paying a rent based on what you can actually afford.
No move, no packing, no upheaval for the children. You remain in the home and community you know.
The mortgage that has been keeping you awake is cleared as part of the process. The weight lifts.
Your rent is set against your means, not the open market, so it stays sustainable for the long term.
A long term tenancy with a state approved landlord, and in some cases a future route back to ownership.
The path, step by step
You will always know what happens next, and you will never face a lender or an official on your own.
A warm, private first conversation about your situation. No cost, no pressure, no judgement.
We assess your mortgage and property against the scheme and tell you honestly where you stand.
We work with your lender, an approved housing body and the local authority. The paperwork is ours.
The debt is settled and you sign a secure tenancy on the same home, at a rent you can manage.
Watch first
A short, plain English explainer. No jargon and no pressure. Watch it before you decide anything.
Is it for you
Mortgage to Rent is designed for homeowners in genuine, long term difficulty who want to stay where they are. If a few of these sound like you, it is worth a conversation.
Not sure? The free guide walks through the full criteria in plain language, so you can read it in your own time before you speak to anyone.
The care shows in the work
Part of the journey is bringing each property up to modern rental standards. That work is carried out by Premier Irish Homes, our sister company. Here is what people say when it is done.
The team did a marvellous job and we were very impressed at the clean up job and how tidy it was left after all the works. Well done.
I carried out a reinspection on this house and I can confirm that all works have been completed. The work carried out in the attic space and on the oil boiler is top class.
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Your questions, answered
No. That is the whole point of the scheme. Ownership transfers to an approved housing body, but you stay living in the very same home as a secure tenant. You do not move out.
In some cases, yes. If your circumstances improve, there can be a route back to buying your home. The guide explains where this applies and we will talk you through it honestly.
The mortgage is settled as part of the process. The debt that has been hanging over you is cleared, which for most families is the moment the stress finally lifts.
Rent is calculated against what you can afford, not the open market rate. It is designed to be sustainable for the long term, so you are never back in the same trap.
No. The guide is free and the first conversation is free, private and completely without obligation. You are simply finding out where you stand.
We are an Irish team who specialise in the Mortgage to Rent scheme. We deal with your lender, the approved housing body and your local authority on your behalf, and we treat you like a person, never a case file.
Read the guide in your own time, or talk to a real person who can tell you honestly whether Mortgage to Rent could work for you. Either way, you will finally know where you stand.
Get the free guideFree · private · no obligation
