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Verified You must apply Housing & rent Discount Regional government · Local authority area

Local Authority Home Loan

Local Authority Home Loan (Iasacht Tithíochta Údaráis Áitiúil)

Paid by Local authorities (funded by Housing Finance Agency) · 🇮🇪 Ireland

Check what you're owed

What this pays

The published value, how it is calculated, and whether it is cash or a credit ceiling.

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Email and a six-digit code, then €50 a year. No password to forget.

Who qualifies

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The 5 published rules this programme tests you against — age, income, residency, household and the rest.

The steps, documents and official link are part of the paid plan. Checking how much you're owed stays free.

3 documents you'll need

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Exactly what to gather before you start, so nothing sends you back to the beginning.

Where this comes from

The Local Authority Home Loan offers two fixed interest rate products: 4.00% fixed for up to 25 years (APR 4.07%). 4.05% fixed for up to 30 years (APR 4.13%).

https://www.citizensinformation.ie/en/housing/owning-a-home/help-with-buying-a-home/local-authority-mortgages/

A researcher has read this record against the official page.

Verified on 12 August 2026

Source: www.citizensinformation.ie

Related reading: How to read a grant eligibility rule

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