Full Details
The Local Authority Home Loan provides government-backed mortgages to buyers who have been refused a mortgage (or insufficient mortgage) by two mainstream lenders. It is available for new builds, second-hand homes, and self-builds. Income limits in 2026: €70,000 for a single applicant, €85,000 for joint applicants. A fixed interest rate applies for the full term. Can be combined with Help to Buy and (in some cases) with the Vacant Property Refurbishment Grant (known as the Local Authority Purchase and Renovation Loan).
Eligibility Requirements
First-time buyers or fresh-start applicants. Refused by two mainstream lenders. Income: single €70,000, joint €85,000. Minimum 10% deposit required.
Key Information
Grant Status
Open
Who Can Apply
Individual / Homeowner
Funding Available
Mortgage amount based on income; fixed rate for the full term
Coverage
All of Ireland
Last Verified
29 Apr 2026
Guidance only. Grant information is updated regularly but may not reflect the latest details.
Always verify eligibility, amounts, and deadlines directly with Local Authorities (backed by Government) before applying.
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