Intro Text 

A Rebuilding Ireland Home Loan is a Government backed mortgage for first time buyers. 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 apply:

1. First Time Buyers (exceptions may apply).
2. Single applicant's annual gross income must be less than €50,000.
3. Single applicant must be in continuous employment for at least two years. Exceptions may apply.
4. 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.
5. Aged between 18 and 70, the loan term must end by the time you reach 70 years of age.
6. Must prove you have:
        • Looked for a mortgage from two lenders (banks or building societies).  Letters must be dated          within 6 months of applying for a Rebuilding Ireland Home Loan.
        • Have received too little funding offers or refusals before applying for a loan with us.
7. 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).
8. Have an indefinite right to remain in Ireland either through nationality or refugee status.
9. Have a minimum deposit of 10% of the purchase price of the property.
10. Applicants must satisfy any other conditions and/or requirements, as stipulated by the local authority.
11. 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 Rebuilding Ireland Home Loan application form to:

Loan Section,
Housing Department,
Dún Laoghaire - Rathdown County Council,
County Hall Marine Road,
Dún Laoghaire,
Co. Dublin.
01 2047058


Before applying for a Rebuilding Ireland 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 Rebuilding Ireland Website has further information, including the application form.

Help desk number: Phone  051 349 720.