If a letter about repossession has arrived, ring the MABS Helpline on 0818 07 2000 today. A dedicated mortgage arrears adviser works out what help you need and issues the vouchers.
Quick facts
- Cost
- Free
- Run through
- MABS
- Services
- 7, including free solicitor and insolvency advice
- Buy-to-let arrears
- Not covered
- Helpline
- 0818 07 2000
Who qualifies
- You are insolvent: you can't pay your debts in full as they fall due
- You are in mortgage arrears on your home
- You are at risk of losing it, for example your lender has started or threatened repossession, called you non-cooperating, or asked you to sell or surrender
Arrears on a buy-to-let are not covered, but you can still qualify for your own home if you also own one. Your home must not be out of proportion to your reasonable needs.
What you get, free
- A dedicated mortgage arrears adviser at MABS, who looks at your case and negotiates with your lender
- A personal insolvency practitioner voucher: a full assessment and written advice on your options
- An accountant voucher for complicated finances
- A consultation solicitor voucher: your legal position and any repossession case
- A court mentor at repossession hearings
- A duty solicitor at Circuit Court repossession hearings
- Legal aid to ask the court to review a rejected personal insolvency proposal
If you already have court papers
"If your mortgage lender has already issued repossession proceedings against your home, and you have not yet applied for the Scheme, you should contact MABS as soon as possible".
On the day, arrive early and ask for MABS. The duty solicitor can explain what you are doing to sort the arrears and ask for the case to be adjourned, but cannot defend the case for you.
How to get it
Ring the MABS Helpline on 0818 07 2000, 9am to 8pm, Monday to Friday, or contact your local MABS office. Everything under Abhaile is free if you qualify.
Common questions
Is Abhaile free?
Yes. Abhaile services are free of charge to borrowers who qualify.
Who qualifies for Abhaile?
People who are insolvent, in arrears on their home mortgage, and at risk of losing their home, for example because the lender has started or threatened repossession.
Does Abhaile cover buy-to-let mortgages?
No. Arrears on a buy-to-let are not covered, although you can still qualify for your own home.
How do I apply for Abhaile?
Ring the MABS Helpline on 0818 07 2000 or contact your local MABS office.
Can Abhaile help at a repossession hearing?
Yes. Court mentors and a duty solicitor attend Circuit Court repossession hearings, and a consultation solicitor can advise you beforehand.