Local Authority Home Loan

From 1st March 2023 the new Local Authority Home Loan Scheme comes into effect.  

It replaces the previous Rebuilding Ireland Home Loan Scheme.

The Local Authority Home Loan is a Government backed mortgage. It is available nationwide from all local authorities. The Local Authority Home Loan (LAHL) is available for people who are unable to obtain sufficient funding from commercial banks to purchase or build a home. The loan can be used both for new and second-hand properties, or to self-build. Full details of the Local Authority Home Loan, including eligibility criteria, can be found at http://localauthorityhomeloan.ie   

The loan is a normal Capital and Interest-bearing mortgage which is repaid by direct debit on a monthly basis.

Applicants must apply to the local authority where the residence they intend to purchase or self-build is located.

The scheme’s house price limit is €360,000 for County Wicklow.

Applicants can borrow up to 90% (€324,000) of the market value of the property.

The income ceiling for a single applicant is €70,000.

The income ceiling for joint applicants is €85,000.

How to apply:

Applicants must complete a Local Authority Home Loan application form which is available for download here and return it to: 

Housing Department, Wicklow County Council, County Buildings, Wicklow Town, A67 FW96

Queries can be emailed to LAHLoans@wicklowcoco.ie