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) |
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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.