Abhaile provides free financial and legal advice to borrowers with mortgage arrears to help them put in place solutions that keep them in their homes.

The service supported over 32,000 borrowers, comprising over 28,052 households, from 2016 to the end of 2024, according to its latest annual report.

The Money Advice and Budgeting Service (MABS) dedicated mortgage advisory service accounted for 16,024 borrowers, while the personal insolvency practitioner service supported 16,046 borrowers.

Of the 16,046 borrowers who received advice from a personal insolvency practitioner, 37 per cent had a solution in place, while 37 per cent were receiving support in moving towards a solution.

In 2024 alone, 2,083 borrowers who were seeking assistance for the first time received financial advice and assistance from a dedicated mortgage arrears adviser.

Some 1,958 vouchers for assistance from a personal insolvency practitioner were issued, and 555 vouchers were issued for a consultation with a solicitor to provide legal support.

Justice, home affairs and migration minister Jim O’Callaghan said: “This report underlines the real and tangible difference Abhaile is making to the lives of people and families across Ireland every day.

“The government is committed to supporting the delivery of these services which include free of charge access to expert debt, insolvency, and financial services, and free legal advice to those who need help resolving mortgage difficulties.”

Social protection minister Dara Calleary added: “This report highlights the impact of the Abhaile service and the contribution of the dedicated staff of the organisations who deliver these important services, day in, day out.

“I would urge any person experiencing mortgage difficulties, or at risk of entering arrears, to contact Abhaile, through MABS, who will support you to find a solution. Help is available, so please reach out.”

Abhaile is funded and overseen by the Department of Social Protection and the Department of Justice, Home Affairs and Migration. A range of organisations deliver the Abhaile service, including the Citizens Information Board, MABS, the Insolvency Service of Ireland, the Legal Aid Board and the Courts Service.