Buying or Improving a Home

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(a) Annuity Loans

If you wish to purchase a house (new or second hand) in the ordinary way or to build a house but cannot get a loan to meet your requirements from a building society, bank etc. you may be eligible for an annuity loan from your local authority. In order to qualify you must meet an income eligibility test. The amount of loan shall not exceed €220,000 or 97% of the net value of the house.

You can download the application form and details of the scheme below:
Annuity Loan Application Form - Annuity Loan Application Form(word doc.)
Annuity Loan Application Policy - Annuityloanapppolicy.doc
Annuity Loan Explanatory Details - AnnuityLoansInformation.doc

(b) Reconstruction Loans

This loan may be made available to upgrade or develop ones house. The maximum amount available is €38,000 repayable over 15 years. Only those below a certain income limit can be considered.

You can download the application form and details of the scheme below:
Reconstruction Loan Application Form-ApplicationFormReconstructionLoan.doc
Reconstruction Loan Application Policy - reconloanapppolicy.doc
Reconstruction Loan Explanatory Details - Information.doc

(c) Improvement Works in Lieu

This scheme enables local authorities to improve or extend privately owned houses occupied or intended to be occupied by an approved applicant for housing as an alternative to the provision of local authority housing. The applicant will pay a reasonable weekly or monthly charge in respect of the local authority’s costs for a maximum of 15 years.

You can download the application form below:
Housing Application Form - Housingapplication.pdf