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, and can provide up to 90% of the lower of the purchase price or market value.
In February 2026 the Government raised the property price ceilings and the income limit for single applicants. Current published limits: gross income of up to €80,000 for a single applicant and €85,000 combined for joint applicants. A fixed interest rate applies for the full term. Property price ceilings and maximum loan amounts vary by local authority area.
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).
First-time buyers or fresh-start applicants. Refused by two mainstream lenders. Gross income: single up to €80,000, joint up to €85,000. Property price ceilings apply by area.