Local Authority Home Loan

Mary welcomes the changes Minister for Housing Darragh O’Brien TD has made to the Local Authority Home Loan Mortgage scheme to help more low and middle income earners, who have been refused a mortgage from a commercial bank,  to buy their own home with a secure, affordable, fixed low rate mortgage.   

The changes will especially help single earners and people looking to make a fresh start following  a divorce or separation. 

The changes will make it easier for single people to avail of a State backed mortgage for a new, second-hand or self-build home. A ‘Fresh Start’ principle also applies which means that people who are divorced or separated and have no interest in the family home, or who have undergone insolvency proceedings, will be eligible to apply also

The income ceiling for a single applicant has been increased by €15,000 to €65,000 in counties Cork, Dublin, Galway, Kildare, Louth, Meath and Wicklow.

The Local Authority Mortgage interest rate has been reduced by 0.25%.

Income ceilings apply; single applicants cannot have income in excess of €65,000 and couples cannot have income in excess of €75,000. 

The newly expanded Local Authority Home Loan scheme came into effect on January 4th

For more information to make an application please click HERE.

Share:

More Posts

Protection of Retail Workers Bill

In April 2025 Mary introduced the Protection of Retail Workers Act 2025, a Bill aimed at amending the Criminal Justice (Public Order) Act 1994 to create specific offences for assaulting, threatening, harassing, or abusing retail workers while they are carrying out their employment. Retail workers across Ireland are on the

Read More »

Spokesperson on Dublin, Local Government & Heritage

Taoiseach Micheal Martin has appointed Mary Fianna Fáil Spokesperson on Dublin, Dublin City Taskforce, Local Government & Heritage. Mary looks forward to championing our great capital, working with Local Authority Members and other stakeholders to strengthen Local Government and securing government support to protect, enhance and promote our rich cultural

Read More »

Seanad Election 2025

Mary has been nominated to contest the Seanad election on the Industrial Commercial panel by RGDATA. RGDATA is Ireland’s longest established retail representative association. Its members are the owners of over 3,500 independent family-owned grocery shops, convenience stores, forecourt stores and supermarkets throughout Ireland. RGDATA nominated Mary because they believe

Read More »

Neurological Conditions

Mary is proud to support the Neurological Alliance of Ireland and has pledged to make brain health a priority. Mary is the first general election candidate to NAI’s pledge of mplementing existing national strategies for neurological conditions, delivering on Ireland’s commitment under article 26 of the UNCRPD to provide comprehensive

Read More »

Join Mary's Newsletter

Quick Links

Home

About

Latest

Donate

Privacy Policy

Contact Details

© All rights reserved

Website by The Website Shop