Home ownership
Local Authority Home Loan initial check
Check the published income, property-price, deposit and broad eligibility conditions before preparing an application.
Some conditions need attention
Income ceiling
€80,000
Property cap
€345,000
Minimum deposit
€0
Maximum before affordability
€0
- Gross household income is within the single limit
- Property price is within the local scheme cap
- Deposit is at least 10% of the property price
- First-time buyer or qualifying Fresh Start applicant
- Current right to reside in the State
- Home will be the applicant’s normal residence
- Insufficient offers from two regulated mortgage providers
Requested borrowing: €0. The figure above is a scheme/LTV cap, not the amount you can afford or will receive.
Could affordable purchase also be worth checking?
For a home at the entered market value, the indicative 85.5% capacity test gives an income boundary of €0. Your four-times-income purchasing power is €0.
Enter a property value to run this comparison.
Availability is development-specific. Savings, the council’s minimum price, scheme of priority and full applicant circumstances can change the outcome.
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.