Home ownership

Local Authority Home Loan initial check

Check the published income, property-price, deposit and broad eligibility conditions before preparing an application.

Local authority Application type Gross annual household income (€)Property price or market value (€)Deposit available (€)

I am a first-time buyer or believe I qualify under Fresh StartI currently have a right to reside in the StateI intend to live in this home as my normal residenceI have insufficient mortgage offers from two regulated providers, dated within 12 months

Enter every required number and choose Yes or No for each statement. Use 0 only when the amount is genuinely zero. Blank or unknown answers cannot produce an estimate.

Evidence and important limits

Rule lahl-2026.04 · effective 1 April 2026 · checked 8 September 2026. This does not assess repayment capacity, credit standing, employment history, savings record, property condition, title, insurance or mortgage protection insurance.

Official eligibility Property limits Key features Affordable purchase