About Us

Who Are We

The Irish Mortgage Holders Organisation is a not for profit organisation which aims to facilitate independent mortgage/debt resolution between lenders/creditors & mortgage holders.

Our aim is to help you deal with indebtedness and allow you to move forward.

We are a registered Charity, regulated by the Charities Regulatory Authority. Our most recent set of accounts (year ending 31/12/2016) is available Here: 2016 Accounts

What Are We Doing?

We are currently working with both Irish and International organisations to structure solutions and processes that will assist people who are in debt deal with their creditors.

This can be achieved by giving people the tools to deal with their creditors themselves or by giving them access to a specialist negotiation team who will deal with creditors on their behalf.

Do you need help now

If you wish to, you can register your interest by providing some information on the contact page. We will make contact with you as soon as possible. Your information will remain secure and confidential.

“This website is being developed as a resource to help those in financial difficulty by working with them to help resolve their situation, in collaboration with their lender.” – David Hall – Director, Irish Mortgage Holders Organisation

We have just released two documents to assist borrowers who may be facing difficulties with their bank or are looking at the Insolvency Service of Ireland as a potential solution to their difficulties. For those who need assistance please contact us here:

Our Team

David Hall

CEO & Co-Founder

David Hall was one of the co-founders of New Beginning in 2010. In July 2012, David and other concerned citizens established the Irish Mortgage Holders Organisation (IMHO) to help consumers tackle the increasing burden of personal debt. In addition to IMHO, David owns and runs Lifeline Ambulance Service, David founded the Make-A-Wish Foundation in 1992 and was its voluntary CEO for 10 years. David was president of the international organisation of Make-A-Wish from 1999 to 2001. David also chaired the Board of the Marie Keating Foundation from 2001 to 2011 and was a Board member of the Beaumont Hospital Foundation. David is the CEO of approved housing body iCare Housing. David is also Chairman of Inner City Helping Homeless

Over the past 3 years David has been to the forefront on a National basis in advocating on behalf of those in mortgage and personal debt. David has significant experience and success in negotiating deals with banks on behalf of debtors.

Read More

Tracy Mullan

Board Member

Tracy is a Solicitor, qualified since 2001. Her background is in general practice, but she spent many years specialising in commercial property, acting for both purchasers and vendors; landlords and tenants. After volunteering with Debt Advocacy group New Beginning in 2010 she established Mullan & Associates Law Firm which was dedicated to assisting people who found themselves before the Courts because of mortgage debt. Initially, the Firm dealt almost exclusively with individuals whose homes were being repossessed by the banks. In 2012 she helped to establish the IMHO with David Hall and other concerned citizens. Tracy has first-hand experience of helping people who are having difficulties with their mortgage and with dealing directly with the banks to find a solution. Mullan & Associates provides a full legal service. It has a department dedicated specifically to dealing with people who are in difficulty with their mortgage. The Firm also provides a full suite of legal services, including litigation (both commercial and general), conveyancing, landlord & tenant, wills & probate. Tracy is a Director of IMHO.

Read More

Dr. Constantin Gurdgiev

Board Member

Dr. Constantin Gurdgiev is the Adjunct Professor of Finance with Trinity College, Dublin. He currently serves as the Chairman of Ireland Russia Business Association, and holds non-executive appointments on the Investment Committees of GoldCore Ltd (Ireland) and Heinz Global Asset Management, LLC (US). He also lectures in the Smurfit School of Management, University College Dublin and is research-active in macroeconomics and finance, as well as economic policy analysis.

In the past, Dr Gurdgiev served as the Head of Research with St Columbanus AG (Switzerland), the Head of Macroeconomics with the Institute for Business Value, IBM, Director of Research with NCB Stockbrokers, Ltd, and Director and the Group Editor of Business & Finance Publications. Born in Moscow, Russia, Dr Gurdgiev was educated in the University of California, Los Angeles, University of Chicago, Johns Hopkins University and Trinity College, Dublin. Dr Gurdgiev serves as a Patron of the Phoenix Project and a Director of Irish Mortgage Holders Organisation Ltd.

Read More

Our Affiliates

The ISI monitors the operation of the arrangements relating to personal insolvency, the Debt Relief Notice (DRN), the Debt Settlement Arrangement (DSA) and the Personal Insolvency Arrangement (PIA)

 www.backontrack.ie

Our Affiliates

The ISI monitors the operation of the arrangements relating to personal insolvency, the Debt Relief Notice (DRN), the Debt Settlement Arrangement (DSA) and the Personal Insolvency Arrangement (PIA)

 www.backontrack.ie