Local Authority Home Loan

Local authorities may provide a mortgage to buy or build your own home if you are a first time buyer.

Local Authority Home Loan

The Local Authority Home Loan (LAHL) is available for people who are unable to obtain sufficient funding from commercial banks to purchase or build a home. The loan can be used both for new and second-hand properties, or to self-build. It also includes the purchase of homes through State schemes such as the Tenant Purchase Scheme and Affordable Purchase Scheme, with the exception of the First Home Scheme.

Full details of the Local Authority Home Loan, including eligibility criteria, interest rates and application form, can be found at https://localauthorityhomeloan.ie

How to Apply:

Application Form | Local Authority Home Loan

**Please Note**

A Local Authority Home Loan application is considered “valid” when:

The application form is completed in full; with all signatures & consents given and all relevant documentation as detailed in the “checklist for applicants” is provided. Failure to submit a valid application will result in your application being returned to you, which will cause delays.

By Post

Applicants can complete a Local Authority Home Loan application form which is available for download here and return it with all relevant supporting documentation to:

Housing Loans Section,
Carlow County Council,
Tullow Civic Offices,
Inner Relief Road,
Co. Carlow
R93 WP86

In Person

Carlow County Council, Tullow Office (Strictly By Appointment Only):

In person appointments to submit the LAHL application form & supporting documentation can be made by emailing: loanapplications@carlowcoco.ie

How Much Can I Borrow?

Use the home loan calculator to get an indication of how much you can borrow over the maximum term allowable and what the estimated repayments would be.