Skip to main content
Comhairle Cathrach Bhaile Átha Cliath / Dublin City Council

Main navigation

  • Cónaitheach
  • Gnó
  • Do Chomhairle
Menu
Menu
Advanced Search

Main navigation (mobile)

  • Cónaitheach
  • Gnó
  • Do Chomhairle
Breadcrumb
  1. Home
  2. Residential
  3. Housing
  4. I am Looking for a Home
Language switcher
  • English
  • Gaeilge

Local Authority Home Loan

Back to I am Looking for a Home
Share
  • Share via Twitter
  • Share via Facebook
  • Share via WhatsApp
Notice text

**Eligibility is subject to submission of a complete Local Authority Home Loan application form and confirmation by your local authority.

A Local Authority Home Loan is a Government backed mortgage for first time buyers or other eligible applicants through local authorities. The scheme is for the purchase of new or second-hand residential properties and for self-builds. It also includes the purchase of homes through State schemes such as the Tenant Purchase Scheme and Affordable Housing Schemes, with the exception of the First Home Scheme. Subject to eligibility, the maximum loan available, depending on your circumstances, is €288,000.00. The maximum allowable purchase price of a property in Dublin is €320,000.00.

A ‘Fresh start’ principle will apply to people who are divorced/separated and no longer have a financial interest in the family home or who have undergone insolvency proceedings will be eligible to apply for State schemes, including the Local Authority Home Loan Scheme will be eligible to apply.

To be eligible for a Local Authority Home Loan you must:

  • Be a first-time buyer.
  • Be aged between 18 and 70 years.
  • Be in continuous employment for a minimum of two years, as the primary earner or be in continuous employment for a minimum of one year, as a secondary earner.
  • As a single applicant have an annual gross income of not more than €65,000 (gross) in counties Cork, Dublin, Galway, Kildare, Louth, Meath and Wicklow and be earning under €50,000 (gross) in all other counties.
  • As joint applicants have an annual gross income of not more than €75,000 (gross) in all counties.
  • Submit two years certified accounts if self-employed.
  • Provide proof of insufficient mortgage offers of finance from two regulated financial providers.
  • Not be a current or previous owner of residential property in or outside the Republic of Ireland, unless you are a "Fresh Start" applicant.
  • Applicants are required to declare that they are first time buyers. They must authorise the Local Authority to conduct such checks as are necessary to confirm this, such as conducting Local Property Tax check.
  • Cccupy the property as your normal place of residence.
  • Purchase or self-build a property situated in the Republic of Ireland.
  • Purchase or self-build a property which does not exceed the maximum market value applicable for the county in which it is located.
  • Consent to a Central Credit Register check.
  • Currently have a legal right to reside and work in the State and be able to demonstrate that they are habitually resident in Ireland.

Further information including a loan calculator please go to http://localauthorityhomeloan.ie

E: [email protected]

T: 01 222 5449

The Tenant (Incremental) Purchase Scheme 2016 

Is a scheme which enables tenants of Dublin City Council to buy their homes subject to eligibility.  You must be a tenant of Dublin City Council for one year and be earning over €15,000 (not all from social welfare).

Certain properties such as apartments, duplexes and adapted accommodation are not included in the scheme.

The purchase price of the house will include a discount of either 40, 50 or 60% of the market value of the house, dependent on your income.

Contact Details

Tenant (Incremental) Purchase Scheme

Telephone Number
012225449
Email Address
[email protected]
Share
  • Share via Twitter
  • Share via Facebook
  • Share via WhatsApp

In this Section

  • Ligean Roghabhunaithe
  • Tithíocht ar Líne
  • Iarratas a dhéanamh ar Theach na Comhairle
  • Housing Assistance Payment
  • Morgáistí agus riaráistí morgáiste
  • Scéim Cóiríochta Cíosa (SCC) do tionóntaí
  • Information on Local Authority Home Loan
  • THE HomeShare
Close

Main navigation

  • Cónaitheach
  • Gnó
  • Do Chomhairle

Footer menu

  • Eolas Fúinn
    • Folúntais
    • An Fhoireann agus na Dualgais
    • An Nuacht agus Na Meáin
    • Beartais agus Cáipéisí
  • Conas dublincity.ie a Úsáid
    • An Inrochtaineacht ar an Láithreán Gréasáin
    • Ráiteas Príobháideachais
    • Téarmaí & Coinníollacha
    • Léarscáil Láithreáin
  • Oibleagáidí Reachtúla
    • Shaoráil Faisnéise
    • An Chosaint Sonraí
    • Access to Information on the Environment
    • An Nochtadh Cosanta
    • An Bhrústocaireacht
    • Acht na dTeangacha Oifigiúla
    • An Eitic
    • Public Sector Duty
    • Bye Laws
    • An Soláthar
  • Teagmháil / Aiseolas
    • Téigh i dTeagmháil Linn
    • Déan Iarratas ar Sheirbhís
    • Déan Íocaíocht
    • Déan Gearán
    • Comhairliúcháin Phoiblí

Customer Services GA

Address

Oifigí na Cathrach
Cé an Adhmaid
Baile Átha Cliath 8
Co. Dublin
D08 RF3F
Éire

Telephone Number
01 222 2222
Email Address
[email protected]

Comhairle Cathrach Bhaile Átha Cliath / Dublin City Council
Dublin City Council
Féach ar ár láithreán gréasáin eile

© 2023 Dublin City Council