Do I qualify for MTR?

To take part in the scheme you must be able to answer Yes to the following questions


  1. Are you unable to make the repayments on your Mortgage Loan and is this situation unlikely to change in the future?
  2. Are you engaging with your lender to try to find a solution to the situation?
  3. Have you completed the Mortgage Arrears Resolution Process (MARP) with your lender? MARP is a system that requires lenders to adhere to a process for borrowers who fall into arrears with their mortgage.


  1. Is your property in negative equity or within the limits of positive equity allowed under the scheme? (i.e.  equity is no more than 10% of the Open Market Value to a maximum of €15,000).
  2. Is your family home the only property you own?
  3. Are you living in a property that suits your needs i.e. not be over or under-accommodated, in accordance with Local Authority guidelines plus two bedrooms?
  4. Is the value of your property no more than €395,000 for a house and €310,000 for an apartment or townhouse in the areas of Dublin, Kildare, Meath, Wicklow, Louth, Cork and Galway and €305,000 for a house and €220,000 for an apartment or townhouse in the rest of the country?


    1. Are you eligible for Social Housing Support in the local authority in whose area the house is located?
    2. Is your income below €25,000*, €30,000* or €35,000* a year, depending on what part of the country you live in? (net household income is the household income after taxes and social insurance (PRSI) have been taken off). (*Additional allowances for children, you can obtain more information from your local authority on this).
    3. Are your capital assets worth less than €20,000?
    4. Do you have a long-term right to remain in the Republic of Ireland?