Local Authority Home Loan
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 from the open market after they have secured an approval in principle. The Loan 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 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 €360,000. 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.
To explore the loan product further:
Click here to research the eligibity and rules of the Local Authority Home Loan
Click here to download the Local Authority Home Loan - Application Form
Click here to download the Local Authority Home Loan - Information for Applicants Booklet
Click here to access the online application portal, and here the supporting video
Applicants must complete the Local Authority Home Loan application form and return it to:
Loan Accounts Section
Fingal County Council, Grove Road,
01 890 5590
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
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]
PLEASE NOTE THAT INCOMPLETE APPLICATIONS WILL NOT BE PROCESSED AND WILL BE RETURNED TO THE APPLICANT(S)