Housing Schemes Guide

Living in an Affordable Home

Affordable housing schemes have been discontinued. However if you were one of the affordable home buyers in the last number of years, the following information may still be relevant for you. Affordable homes were provided for people who could not afford to buy a home on the open market. They were provided at a discount to the market price on the condition that you had to live in it. If you sold it within 20 years, you had to pay back a percentage of the sale price to the local authority. This is known as a 'Clawback'.

Refund of Irish income tax and DIRT.

Applicant must draw down full mortgage approval. If there is a gap between the purchase price and the mortgage approval then the person may be eligible for the scheme. 

An authorised housing body or local authority can provide affordable, high-quality rental accommodation to low/middle-income earners who do not qualify for social housing.

House must be vacant for at least 2 years

Local Authority can develop/acquire land for sale as serviced sites in selected towns and villages.

A key component of the Rebuilding Ireland Action Plan and now Housing for All is the Vacant Housing, Repair and Leasing Initiative, which targets the delivery of social housing and also ensures that existing housing stock is used to the maximum degree possible.

Living in an Affordable Home

Affordable housing schemes have been discontinued. However if you were one of the affordable home buyers in the last number of years, the following information may still be relevant for you. Affordable homes were provided for people who could not afford to buy a home on the open market. They were provided at a discount to the market price on the condition that you had to live in it. If you sold it within 20 years, you had to pay back a percentage of the sale price to the local authority. This is known as a 'Clawback'.

Local Authority Home Loan

A Local Authority Home Loan is a Government backed mortgage for first time buyers or other eligible applicants through local authorities. The scheme is for the purchase of new or second-hand residential properties and for self-builds. It also includes the purchase of homes through State schemes such as the Tenant Purchase Scheme and Affordable Housing Schemes, with the exception of the First Home Scheme.