Local Authorities (Government backed)
Local Authority Home Loan
Grant value: Fixed-rate mortgage up to €320,000 (€350,000 in Dublin, Cork, Galway, Kildare, Meath, Wicklow)
A government-backed, low fixed-rate mortgage for first-time buyers who cannot get sufficient mortgage approval from a commercial bank. Offered by local authorities at competitive rates.
Key Requirements
- ✓Must be a first-time buyer (or fresh start applicant)
- ✓Must have been refused or insufficient mortgage from two banks
- ✓Gross annual income must be under €70,000 (single) or €85,000 (joint)
- ✓Property must be your principal private residence
- ✓Property value limits apply by county
Applies to
first time buyernew buildsecond hand
Last verified: 2026-05-01. Always confirm details with the scheme provider before applying.