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New announcement 7 February 2023: House price limits increase in DLR from 320k to 360k. Single applicants increase from €50,000 and €65,000 to €70,000 and joint applicants from €75,000 to €85,000 (Changes to take place on 1 March 2023)

A Local Authority Home Loan is a Government backed mortgage scheme for first time buyers and fresh start applicants. It is available nationwide from all local authorities.

You can apply for this loan to:
• Buy a new home,
• Buy a second-hand home,
• Build your own home.

The loan is a normal capital and interest-bearing mortgage, which you repay by monthly direct debit.  You can borrow up to 90% of the market value of the home. The maximum market value of the home that you can buy, or self-build is €320,000 in Dublin.

Please note: The home you wish to buy must be in our administrative area.

These loans are subject to lending terms and conditions. The following eligibility criteria applies to applicants:

1. A single applicant’s annual gross income must be less than €65,000.

2. A single applicant must be in continuous employment for at least two years.  Exceptions may apply.

3. A joint applicants’ total annual gross income must be less than €75,000,
• the primary earner on the application form must be in continuous employment for at least two years
• if the second applicant is working, he/she must have at least one year’s continuous employment
• exceptions may apply

4. Be aged between 18 and 70, the loan term must end by the time you reach 70 years of age.

5. Must prove to have:
• looked for a mortgage from two lenders (banks or building societies).  Letters must be dated within 6 months of applying for a Local Authority Home Loan
• received too little funding offers or refusals before applying for a loan with us

6. be of good standing with a satisfactory credit record (a credit check will be carried out with the Irish Credit Bureau and / or the Central Credit Register and the courts).

7. Have an indefinite right to remain in Ireland either through nationality or refugee status.

8. Have a minimum deposit of 10% of the purchase price of the property.

9. Satisfy any other conditions and/or requirements, as stipulated by the local authority.

10. We will send the application to the Housing Agency. The Council’s Credit Committee will make a decision on your application.

The maximum loan that may be advanced is €288,000 over a maximum term of 30 years.  The largest loan-to-value ratio is 90%. The largest mortgage loan in each case will be determined by us per:

• lending terms and conditions,
• the €288,000 limit,
• the loan-to-value limit,
• subject to the person’s ability to repay, and
• applicants must have a credible savings record of a minimum of 12 months duration immediately prior to making an application.

We will assess you based on:

• your current income,
• your existing loans,
• your financial commitments, and
• in accordance with the Credit Policy.

For successful loan applications an added monthly mortgage protection insurance (MPI) fee is charged. This is a requirement of borrowing. The Local Authority MPI scheme is a group scheme. It is required for all borrowers who meet the eligibility criteria to join the scheme.

How do I apply?

Return your completed Local Authority Home Loan application form to:
Loan Section,
Housing Department,
Dún Laoghaire - Rathdown County Council,
County Hall Marine Road,
Dún Laoghaire,
Co. Dublin.
Tel:  01 2047058


Before applying for a Local Authority Home Loan with us you must prove:

• You have looked for a mortgage from two lenders.
• Have received too little funding offers or refusals from each.


The Local Authority Home Loan Website has further information, including the application form .

Help desk number: Phone 051 349 720.

Related Documents:

How can I apply: