House Purchase Loan Scheme

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First Time Buyers of new and second hand homes (and self-build) may apply for a Local Authority House Purchase Loan, up to a maximum of €220,000 over a maximum term of 30 years, subject to lending terms and conditions and who meet the following eligibilty criteria:

1. First Time Buyers (exceptions may apply e.g. for legally separated or divorced applicants)

2. Single applicant's income must be less than €50,000

3. Joint applicants combined income must be less than €75,000

4. Primary earner must be in continuous employment for at least two years, second applicant must

have at least one year's continuous employment.

5. Aged between 18 and 70 years (i.e. loan term must cease by the time the borrower

reaches 70 years of age) .

6. 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 House Purchase Loan to Fingal County Council.

The maximum loan amount that may be advanced is €220,000 over a maximum term of 30 years, the maximum loan to value (LTV) is 97%, subject to lending terms and conditions and the purchaser's ability to repay. All applications are assessed based on the applicant(s) current income, their existing loans and financial commitments.

How to apply:

Complete the application form and return it to:

Affordable Housing & Tenant Purchase Section

Housing Department

Fingal County Council

Grove Road

Blanchardstown

Dublin 15

You can obtain a copy of the form and information leaflet by clicking on the link to view all forms on the right hand side of this page or you can contact us at tel: 8905995 to request a copy.