Covid-19 Mortgage Payment Break scheme

Minister for Housing, Local Government, and Heritage, Darragh O'Brien TD has announced additional arrangements to support local authority borrowers who are experiencing financial distress as a result of the continuing Covid-19 situation.

These mortgage payment breaks assist local authority home loan borrowers who may experience a reduction in their income arising from COVID-19 and may not be able to make repayments on their loans, 

A fourth Mortgage Payment Break has been made available to local authority borrowers, if circumstances warrant it, bringing the total of the four Mortgage Payment Breaks up to a maximum of twelve months.

The closing date for first time applicants applying for a first Mortgage Payment Break has been extended from 31 December 2020 to 31 March 2021.
All Mortgage Payment Breaks must be completed by 31 March 2022.
Borrowers who previously completed a Mortgage Payment Break can now 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 local authority borrower facing difficulties due to COVID-19 are urged to contact their local authority as soon as possible.


For more information, contact Cavan County Council by email on or call 049-4378300