How much can I borrow?

With a Local Authority Home Loan you can borrow up to 90% of the market value of a residential property. Maximum market values of the property that can be purchased or self-built are:

• €360,000 in Dublin, Kildare or Wicklow, or

• €330,000 in Cork, Galway, Louth or Meath, or                                                    ,

• €300,000 in Clare, Kilkenny, Limerick, Waterford, Westmeath or Wexford, or

• €275,000 in Carlow, Cavan, Donegal, Kerry, Laois, Leitrim, Longford, Mayo, Monaghan, Offaly, Roscommon, Sligo or Tipperary.

This limits the amount that can be borrowed to:

• no more than €324,000 in Dublin, Kildare or Wicklow,
• no more than €297,000 in Cork, Galway, Louth or Meath,
• no more than €270,000 in Clare, Kilkenny, Limerick, Waterford, Westmeath or Wexford, and
• no more than €247,500 in Carlow, Cavan, Donegal, Kerry, Laois, Leitrim, Longford, Mayo, Monaghan, Offaly, Roscommon, Sligo or Tipperary..

Use the home loan calculator here to get an indication of how much you can borrow over the maximum term allowable and what the estimated repayments would be.