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Apply for a Mortgage

If you are a tenant of Dublin City Council, you can apply to us for a mortgage/loan to buy a home. This loan is called the House Purchase Loan.

The maximum we can lend you is €220,000 (or 90% of the purchase price of the property. Your loan is then repaid to us over 30 years.

Several other terms and conditions apply. Read more about these terms and conditions below.

It costs €75 to apply for this scheme.

To be eligible for a house purchase loan applicants must:

  1. Be First Time Buyers and neither applicant can be a previous owner or current owner of a property.
  2. Be aged between 18 and 70 years
  3. Be earning under €50,000 in the previous tax year as a single applicant or in the case of a joint application both incomes should not be greater than €75,000 in the previous tax year.
  4. Be in continuous permanent employment (this can be self employed) for at least two years in the case of the primary earner and in continuous permanent employment for one year in the case of a second applicant
  5. Of good credit standing with a satisfactory credit record (a credit check will be carried out before loan approval is granted)
  6. Have an indefinite right to remain in Ireland either through nationality or refugee status (Stamp 4)
  7. Have been refused by two lending agency’s for mortgage approval and be able to show evidence of refusal
  8. Be in a position to provide a 10% deposit on the property i.e. on a loan of €220,000 applicants must have a minimum deposit of €22,000.
  9. Provide proof of marital status (if divorced, legal documents must be submitted)

If you meet all of the above criteria you will be eligible to submit an application.


Please note: Social Welfare payments will only be considered in the case of secondary earner provided evidence of the long term nature of the payment is confirmed by the department of Social and Family Affairs.

What happens next?

  • Upon receipt of your application, a housing advisor from Dublin City Council will contact you to arrange an interview to discuss the terms and conditions of the loan.
  • Following the interview process, your application will be forwarded to the Affordable Housing Partnership who will perform the necessary credit and judgment checks.
  • Subject to the credit and judgement checks, a recommendation will be made to either approve the loan in principle or to decline loan approval.

Download the House Purchase Loan Application Form  

 

For more information

Dublin City Council,
House Purchase Loans,
Loans, Sales and Consents Section, 
Block 2
Floor 2
Civic Offices
Wood Quay
Dublin 8

Office Hours: 9.30am to 4.00pm, Monday to Friday. (We are open during lunchtime)

Tel: (01) 222 5449
Fax: (01) 222 2778
Emailaffordablehousing.unit@dublincity.ie