Mortgage Restructuring via PIA

Restructure Your Mortgage & Protect Your Home in Ireland.

If your mortgage is held by a Vulture Fund, you have a statutory right to a Personal Insolvency Arrangement (PIA). Our Personal Insolvency Practitioners act as independent experts to assist you in legally restructuring your debt to a sustainable level.

Start Free Assessment How a PIA Works

Regulated by the Insolvency Service of Ireland. Fully Confidential.

Regulated Experts

We assist debtors in restructuring mortgages held by:

Pepper Finance
Start Mortgages
Cabot Financial
Mars Capital
Promontoria
Everyday Finance

Our PIPs manage the legal framework to keep you in your home.

Resolving Arrears with Vulture Funds & Non-Bank Entities

Investment funds often have different operating models compared to traditional high-street banks. These differences create a specific set of challenges for homeowners in arrears.

Complex Communication

Homeowners often experience a high frequency of formal correspondence which can be difficult to interpret without professional guidance.

Interest Rate Fluctuations

Unlike standard lenders, these entities may apply different interest rate structures, often leading to increased monthly repayment pressure.

Accelerated Timelines

The path to legal proceedings can sometimes move more quickly than expected, leaving less time for informal negotiation.

The good news? Irish law provides structured frameworks to allow you to restructure your debt through a formal Personal Insolvency Arrangement.

Statutory Mortgage Restructuring via PIA

A Personal Insolvency Practitioner (PIP) is an independent expert who assists you, the debtor, in proposing a formal arrangement to your creditors. We handle the complex legal and financial requirements to achieve a binding restructuring.

Personal Insolvency Arrangements (PIA)

The primary tool for mortgage holders. It is a statutory framework that allows for the write-down of debt and the long-term restructuring of your mortgage based on your actual affordability.

Section 115A Court Review

If a lender rejects a fair proposal, your PIP can apply for a court review. Judges have the power to overrule the lender and impose the PIA if it keeps you in your home and is sustainable.

Mortgage To Rent Coordination

Where a restructured mortgage is not the right fit, we coordinate the Mortgage to Rent scheme, allowing you to stay in your home with a secure long-term lease.

The Power of a Statutory PIA

A PIA is not an "informal deal"—it is a legal mechanism under the Personal Insolvency Acts. Your PIP manages the entire statutory process to ensure your proposal is robust and legally compliant.

Our Record of Successful Resolutions

We have successfully navigated hundreds of families through the insolvency process to resolve arrears with vulture funds and non-bank lenders.

Resolution with Pepper Finance

"We were €85,000 in arrears and faced repossession proceedings. Our PIP managed our PIA process which wrote off a significant portion of the debt and restructured our mortgage to a sustainable rate. We kept our home."

Michael & Sarah T.

Co. Kildare

Resolution with Start Mortgages

"I was overwhelmed and had stopped responding to letters. We met with Cathal and engaged him to deal with the bank. He stopped the Sheriff and successfully arranged Mortgage-to-Rent. The calls have stopped and I am secure in my home again."

Declan M.

Co. Dublin

Restructure Your Mortgage & Protect Your Home in Ireland.

Regulated Experts

Resolutions Achieved With

Resolving Arrears with Vulture Funds & Non-Bank Entities

Complex Communication

Interest Rate Fluctuations

Accelerated Timelines

Statutory Mortgage Restructuring via PIA

Personal Insolvency Arrangements (PIA)

Section 115A Court Review

Mortgage To Rent Coordination

The Power of a Statutory PIA

Our Record of Successful Resolutions

Mortgage Arrears Case Assessment