Local Authority Home Loan

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

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.

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 Local Authority Purchase and Renovation Loan (LAPR) is now open for applications. The loan, which is an expansion of the Local Authority Home Loan supports both the purchase and renovation of homes which are eligible under the existing Vacant Property Refurbishment Grant (VPRG).

It is a Government backed mortgage and loan for the purchase and renovation of derelict and non-habitable homes. The property must be eligible for the Vacant Property Refurbishment Grant, whether derelict, non-habitable or simply vacant.

Under the Local Authority Purchase and Renovation Loan, a first-time buyer or Fresh Start applicant who wishes to purchase and/or renovate a Vacant Property Refurbishment Grant eligible home, but cannot get sufficient funding from commercial lenders will now be able to apply to their local authority for an Local Authority Purchase and Renovation Loan.  Eligibility for the loan is subject to applicants meeting the existing local authority mortgage eligibility criteria and the project meeting the scheme lending criteria.

The Vacant Property Refurbishment Grant is a payment you can get if you are turning a vacant house or building into your permanent home. A grant of up to €50,000 is available.

If the refurbishment costs for a derelict property exceed the standard grant of up to €50,000, a top-up grant amount of up to €20,000 is available.

Application form and relevant documents to complete your purchase and renovation loan are available here

  1. What is a Local Authority Home Loan?
  2. Am I eligible?
  3. What are my interest rate options?
  4. How much can I borrow?
  5. How do I apply?
  6. View Information Centre