Covid 19 – Mortgage Payment Break for Local Authority Borrowers

The Minister for Housing, Planning and Local Government, Mr Eoghan Murphy TD, confirmed on 14th April 2020 that forbearance arrangements have been put in place for local authority mortgage products.  “Measures to support local authority home loan borrowers have now been agreed. These measures will ensure that a mortgage payment break of up to three months will be made available to local authority borrowers who are in need of it.”  The scheme was extended on 26/06/2020, 29/09/2020 and 27/01/2021 to include an additional 3 mortgage payment breaks up to a maximum combined mortgage payment break period of 12 months.  The Closing Date for applying for your first Mortgage Payment Break was 31st March 2021.  Any borrower currently on a Mortgage Payment Break, or who has previously availed of a Mortgage Payment Break can apply for a further 3-month Mortgage Payment Break up to a maximum combined period of 12 months.  Mortgage Payment Breaks are not required to be taken back to back.  Borrowers who previously completed a Mortgage Payment Break can apply for a second, third or fourth Mortgage Payment Break if circumstances warrant it, even if there was a gap between Mortgage Payment Breaks. However, all Mortgage Payment Breaks must be completed in full by 31 March 2022.

Any borrower facing difficulties due to COVID-19 is urged to contact Kerry County Council, Housing Loans Department as soon as possible by email to [email protected] or by telephoning 066 7183910.

Please note the following documents in the links below:

Initial Mortgage Payment Break – Application Form
Additional Mortgage Payment Break – Application Form
Frequently Asked Questions for Mortgage Payment Break
4th Mortgage Payment Break Application Form
Frequently Asked Questions Loan Mortgage Payment Break