Local Authority Home Loan

...making home ownership more affordable for first time buyers.

A Local Authority Home Loan is a Government backed mortgage for first time buyers and fresh start applicants, now available nationwide from your local authority. It can be used to purchase a new or second-hand property or for self-build. A Local Authority Home Loan provides up to 90% of the market value of the property. The maximum loan amount is determined by where the property is located.

The Minister for Housing, Local Government and Heritage implemented increases to the maximum eligible property prices and the income thresholds for applicants for this scheme from April 1st 2026.

The Local Authority Home Loan has put in place an expedited application process for Tenants who have received a Notice of Termination for their current rental property and are looking to purchase either their current rental property or another property, as their principal private residence. Please contact the local authority in the area where you are looking to purchase your home and complete the application form here