Apply for a Council Mortgage (Annuity Loan)

We will consider applications for loans to persons proposing to acquire or construct a house to be used for their own occupation.

Amount of Loan

The maximum sum which may be advanced shall not exceed €200,000 or 90%  of the value of the house exclusive of the amount of any grant under any enactment, whichever is less.

Before applying for a Council Loan

Before a person approaching the Council about a loan you must first of all apply to two Financial Institutions (We  will not consider any person for a loan unless they have been refused a loan by two Financial Institutions and have produced documentary evidence to this effect). Further conditions apply, please contact Marie Tynan at 057 866 4110 for details.

Further information is also available on the notes accompanying the House Purchase Loan Form.


Mortgage Allowance Scheme

An allowance may be payable to purchasers surrendering a house rented from a Local Authority or a Voluntary Housing body. This allowance reduces mortgage repayments.

For the first 5 years of the loan as follows:

  • €3,555 in the first year,
  • €2,793 in the second,
  • €2,032 in the third year,
  • €1,778 in the fourth year and
  • €1,270 in the fifth year.