Abhaile is a State funded service which is provided free of charge to insolvent borrowers who are in danger of losing their homes due to mortgage arrears. The Abhaile Scheme was originally launched on the 22nd July 2016 for a 3 year period and was due to finish on the 31st December 2019. In September 2019 the decision was made to extend the Scheme for a further 3 years to the 31st December 2022. 

The aim of Abhaile is to help mortgage holders in arrears to find the best solutions for their circumstances and keep them, wherever possible, in their own homes.

The Scheme contains six services to help borrowers, which are divided into financial and legal services.

The financial services are:

  1. The PIP service, the panel for which can be found here;
  2. The MABS Dedicated Mortgage Arrears service;
  3. The Accountant service;

The legal services are:

  1. The Consultation Solicitor service;
  2. The Duty Solicitor service; and here
  3. The Personal Insolvency Court Review service.

The ISI manages the PIP service under the scheme and they provide specified fixed services, free of charge to the borrower, at fixed fees payable by the Scheme, in accordance with these Terms and Conditions. Access to this service is by way of a payment voucher issued by the Money Advice and Budgeting Service (MABS) to all eligible borrowers.

Eligibility for the scheme is based on the following criteria, borrowers must be:

In addition to the above they must also be in a home that does not have disproportionately large costs for their needs.

Additional Information can be found at the following links:

An outline of the Scheme is available here

Some FAQs on the Scheme are available here and more information on a Personal Insolvency Arrangement here.

For Scheme Borrower Booklet  Click Here

For PIP panel terms and conditions Click Here