Am I eligible?

To be eligible for a Rebuilding Ireland Home Loan you must:

• be a first-time buyer
• be aged between 18 and 70 years
• be in continuous employment for a minimum of two years, as the primary earner or be in continuous employment for a minimum of one year, as a secondary earner (see Temporary Amendments in Light of Economic Impacts of COVID-19 under What is continuous employment? on our FAQ page here)
• have an annual gross income of not more than €50,000 as a single applicant or not more than €75,000 combined as joint applicants
• submit two years certified accounts if self-employed
• provide evidence of insufficient offers of finance from two banks or building societies (see further details on our FAQ page here)
• not be a current or previous owner of residential property in or outside the Republic of Ireland
• occupy the property as your normal place of residence
• purchase or self-build a property situated in the Republic of Ireland of no more than of 175 square metres (gross internal floor area)
• purchase or self-build a property which does not exceed the maximum market value applicable for the county in which it is located
• consent to an Irish Credit Bureau check

Eligibility is subject to submission of a complete Rebuilding Ireland Home Loan application form and confirmation by your local authority.