Local Authority Home Loan 2026: Updated Limits
The Local Authority Home Loan (LAHL) income and property limits are under review in 2026, with proposed increases to reflect rising house prices. Here's what we know, what's changing, and how to check your eligibility.
Current Income Limits
| Applicant Type | Current Limit | Proposed 2026 Limit |
|---|---|---|
| Single applicant | €70,000 | Under review (expected increase) |
| Joint applicants | €85,000 | Under review (expected increase) |
Recommended Toolkits
Get the basics
FTB Checklist Pack
5 essential checklists — mortgage docs, snagging, solicitor Qs, viewing scorecard & moving day.
Get It → €19
Get everything
Buyer's Toolkit
Everything in the Checklist Pack plus budget model, negotiation scripts & property comparison matrix.
Get the Full Kit → €47
Instant PDF download · Built by SEAI-registered assessors since 2009
Current Property Price Limits
| Area | Price Limit |
|---|---|
| Dublin, Kildare, Wicklow | €415,000 |
| Cork, Galway, Meath, Louth | €375,000 |
| Rest of Ireland | €320,000 |
These limits were proposed as part of the 2026 review and are subject to final confirmation. Check the official LAHL website for live figures.
How LAHL Works
LAHL is a government-backed mortgage administered by your local authority. Key features: fixed rates of 3.35% (25yr) or 3.85% (30yr), up to 90% LTV, available for new builds, second-hand, and self-builds. You must be refused by two mainstream lenders first.