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You have a number of options if you are being evicted or your home is being repossessed. The option you decide to go for depends on your personal circumstances.
Apply to the Housing Executive as homeless
You can apply to the Housing Executive as homeless. The Housing Executive will assess your application using four tests:
If the Housing Executive decides that you pass the four tests you will be given Full Duty Applicant status. This means that you will be offered temporary accommodation until suitable permanent accommodation becomes available.
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Housing Executive or housing association accommodation
You won't be able to apply for Housing Executive or housing association accommodation if you have been evicted from Housing Executive or housing association accommodation within the last two years. You will be assessed by the Housing Executive using the Selection Scheme.
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Renting Privately
Renting privately can be expensive. The quality of the accommodation can vary widely from area to area. In many areas rent can be as high as mortgage payments.
If you do start renting privately you will usually have to pay:
You may be able to get help if you can't afford rent in advance or a deposit.
You may be able to get housing benefit to help pay for your accommodation if you are on benefits or have a low income. Housing benefit is unlikely to cover all your rent, especially if you are:
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Buying a home
It can be difficult to get a mortgage if you have sold your home voluntarily to cover your debts. Most lenders won't give you a mortgage if you have lost your home because of payment problems. If you do manage to get a mortgage your lender will usually charge you a higher interest rate.
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