What is Mortgage To Rent (MTR)

The MTR scheme is a government scheme. The scheme is overseen by the Department of Housing, Planning and Local Government and is administered by the Housing Agency.

The MTR scheme is a social housing option only available if the homeowner is eligible for social housing support and their mortgage is unsustainable.

The homeowner on successful completion of the scheme will no longer own their property, but they can continue living in the home as a social housing tenant and have a tenancy agreement with the Housing Association

iCare Housing MTR Record

Social Housing Tenants
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RTE: Ray D'Arcy Interview - David Hall

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Mortgage To Rent Qualification

  • You have completed the Mortgage Arrears Resolution Process with your lender.
  • You are unable to make the full repayments on your Mortgage Loan.
  • Your property must be in negative equity; however, if your property is in positive equity, it may be considered on a case-by-case basis.​
  • You do not own or have shared ownership of any other property.​

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