Local Authority Home Loan

Housing Schemes

The Local Authority Home Loan (LAHL) is a Government backed mortgage product designed to assist first time home buyers or other eligible applicants who cannot secure sufficient commercial lending support to make a home purchase. The scheme facilitates the purchase of new or second-hand residential properties and the construction of self-builds. In general these properties are located and selected by the applicants after they have secured an approval in principle. It can also be used to purchase a home through State schemes such as the Tenant Purchase Scheme and Affordable Housing Schemes, with the exception of the First Home Scheme.

The LAHL is different to what existed before because:

  • A "Fresh Start" principle applies, allowing that people who are divorced or separated and can demonstrate no interest/liability in the previous family home, and those who have undergone personal insolvency or bankruptcy arrangement or proceedings or other legal process, may now apply.
  • A single person can be earning up to a maximum of €65,000 gross per annum.

The LAHL is a normal Capital and Interest-bearing mortgage which is repaid by direct debit on a monthly basis. You can borrow up to 90% of the market value of the property. The maximum property value for which this loan may be used is €320,000. Borrowers will be contractually obliged to keep up repayments on their loan, and to pay per schedule and by means defined by the Local Authority.

The Rebuilding Ireland Home Loan is now withdrawn, and all new applications must use this product.

Click here to download the Local Authority Home Loan - Application Form

Click here to download the Local Authority Home Loan - Information for Applicants Booklet


Applicants must complete the Local Authority Home Loan application form and return it to:

Loan Accounts Section

Housing Department

Fingal County Council, Grove Road,


Dublin 15


01 890 5590

[email protected]  



Applicants must prove that they have sought a mortgage from two lenders (banks or building societies) and have received inadequate funding offers or refusals from each before making an application for a Rebuilding Ireland Home Loan to Fingal County Council.

For more information including a loan calculator please click https://localauthorityhomeloan.ie/calculator/

Helpline for enquiries 051 349720 

Contact Us

To assist your queries about the loan, a national call centre has been established and offers a telephone service (051 349720) and chat room facility. Go to: https://localauthorityhomeloan.ie/, or alternatively having read the documentation applicants can make queries by email to  [email protected]