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Local authority mortgages


If you are unable to get a loan from a building society or bank, you may be eligible for a mortgage from your local authority.

The loan can be up to 97% of the price of the house subject to a maximum loan of €200,000.

A local authority mortgage will be an annuity mortgage with variable interest rates so repayments will go up and down with general interest rates.


You may be eligible for a local authority mortgage if you can show the local authority that you cannot get a loan from a bank or building society and you are:

  • A first time buyer and
  • Your income satisfies the income test - see below

The income test

Single income household

  • If your gross income (before tax) in the last income tax year was €50,000 or less, you are eligible.

Two income households

  • If your combined gross income (before tax) in the last income tax year was €75,000 or less, you are eligible

How to apply

Contact your local authority.

Page edited: 21 June 2016



Related Documents

  • Local authority home improvement loans
    Local authority loans are available to owner-occupiers towards the cost of necessary works to improve, repair or extend their houses.
  • Shared Ownership Scheme
    This scheme enabled low-income purchasers to buy a proportion of a home to begin with, increasing in steps until the whole house was owned. It has now been stood down.
  • Mortgage Interest Supplement
    Mortgage Interest Supplement provides short-term support to help you pay your mortgage interest repayments. The Mortgage Interest Supplement scheme is closed to new entrants and no new applications will be accepted.

Contact Us

If you have a question relating to this topic you can contact the Citizens Information Phone Service on 0761 07 4000 (Monday to Friday, 9am to 8pm) or you can visit your local Citizens Information Centre.