Local Authority Home Loans
Housing Schemes
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. It also includes the purchase of homes through State schemes such as the Tenant Purchase Scheme and Affordable Housing Schemes, with the exception of the First Home Scheme.
Full details of the Local Authority Home Loan, including eligibility criteria, can be found at https://localauthorityhomeloan.ie
How to Apply:
**PLEASE NOTE**
A LOCAL AUTHORITY HOME LOAN APPLICATION IS CONSIDERED “VALID” WHEN:
THE APPLICATION FORM IS COMPLETED IN FULL; WITH ALL SIGNATURES & CONSENTS GIVEN AND ALL RELEVANT DOCUMENTATION AS DETAILED IN THE “CHECKLIST FOR APPLICANTS” IS PROVIDED.
FAILURE TO SUBMIT A VALID APPLICATION WILL RESULT IN YOUR APPLICATION BEING RETURNED TO YOU, WHICH WILL CAUSE DELAYS.
Online:
Applications can be made through the LAHL Online Application Portal - click here.
Important points to note when making an online application:
1. Upload (in date order) 12 months of all banking account statements
2. Download & submit the LAHL Salary Certificate (see Additional Relevant Forms section below)
3. Download & submit the Gift Letter Template (if applicable - see Additional Relevant Forms section below)
Please refer to the video tutorial below to assist you with your online application.
How Much Can I Borrow:
Use the home loan calculator to get an indication of how much you can borrow over the maximum term allowable and what the estimated repayments would be.
Post:
Applicants can complete a Local Authority Home Loan application form which is available for download here and return it with all relevant supporting documentation to:
Housing Loans Section, Fingal County Council, Civic Offices Blanchardstown Dublin 15
Additional Relevant Forms:
Frequently Asked Questions
https://purchaseandrenovationloan.ie/faq/
Contact us:
Please email queries to [email protected]
The Local Authority Purchase and Renovation Loan (LAPRL) is a Government backed mortgage and loan for the purchase and renovation of derelict and non-habitable homes. The property must be eligible for the Vacant Property Refurbishment Grant, whether derelict, non-habitable or simply vacant. Each applicant must be a first time buyer and in the case of joint borrowers, neither applicants can have previously purchase or be a current owner of a residential property with the exception of applicants qualifying under the Fresh Start Principle.
The Vacant Property Refurbishment Grant is a payment you can get if you are turning a vacant house or building into your permanent home. A grant of up to €50,000 is available.
If the refurbishment costs exceed the standard grant of up to €50,000, a top-up grant amount of up to €20,000 is available.
If you wish to purchase and/or renovate a Vacant Property Refurbishment Grant (https://www.gov.ie/en/service/f8f1b-vacant-property-refurbishment-grant/ ) eligible home but cannot get sufficient funding from commercial lenders you can apply to your local authority for a Local Authority Purchase and Renovation Loan.
Full details of the Local Authority Purchase & Renovation Loan, including eligibility criteria, can be found at https://purchaseandrenovationloan.ie/
How Much Can I Borrow:
Use the https://purchaseandrenovationloan.ie/calculator/ to get an indication of how much you can borrow over the maximum term allowable and what the estimated repayments would be.
How to Apply:
By Post Only
Application Form https://purchaseandrenovationloan.ie/application-form/
As well as submitting all relevant Documentation on the Documentation Checklist, the following documents MUST be submitted –
Other documents required:
Valuation Report
Stage 1 Guidance
Stage 1 Building Survey and Scope of Works
Stage 1 Cost Plan
Stage 2 Scope of Works
Stage 2 Cost Plan
Additional Relevant Forms:
Frequently Asked Questions https://purchaseandrenovationloan.ie/faq/
Contact us:
Please email queries:
- LAPRL to <span>[email protected]</span>/strong>
- Vacant Homes Grant to [email protected]/span></strong>
