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Updated with April 2026 Limits

Do You Qualify for the
Local Authority Home Loan?

Ireland's government-backed mortgage with fixed rates from 3.35%. New income limit: €80,000 for single applicants. Check your eligibility in 60 seconds.

Your Details

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Single limit: €80,000 | Joint limit: €85,000 (from April 2026)
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Minimum 10% deposit required. HTB can count towards this.
LAHL max term is 30 years. Rates are fixed for the full term.
Fresh Start = divorced/separated with no interest in former family home, or post-insolvency
You must show evidence of insufficient offers from 2 lenders

Your Eligibility Result

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About the Local Authority Home Loan

The Local Authority Home Loan (LAHL) is a government-backed mortgage launched in January 2022 under Housing for All. It helps creditworthy first-time buyers who can't get sufficient finance from commercial banks to buy a new, second-hand, or self-build home.

The key advantage is the interest rate is fixed for the entire term of the mortgage — meaning your repayments stay the same for 25 or 30 years. Current rates are 3.35% for up to 25 years and 3.55%–3.70% for longer terms, which are significantly below most commercial fixed rates.

April 2026 Changes

Minister for Housing James Browne announced significant increases to both income and property price limits, effective from April 2026. The single applicant income limit rises from €70,000 to €80,000, and property price caps are increasing across all counties — with Dublin, Kildare, and Wicklow rising to €415,000.

Key Requirements

You must be a first-time buyer or fresh-start applicant, have been refused by two commercial lenders, have a minimum 10% deposit, be in continuous employment for at least 2 years, and show that your monthly repayments will be less than one-third of your household income. You can use the Help to Buy scheme towards your deposit.

Related tools: FTB Affordability Calculator · Help to Buy Estimator · Total Cost of Buying Calculator

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FTB Checklist Pack

LAHL application sorted — now get the viewing scorecard, snagging checklist, and solicitor questions.

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