Housing

Local Authority Home Loan

Housing Schemes

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 Housing Schemes, with the exception of the First Home Scheme.

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

couple outside home with sign about loans

How to Apply:

**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.

Online:

Applications can be made through the LAHL Online Application Portal - click here.

Important points to note when making an online application:
1. Upload (in date order) 12 months of all banking account statements
2. Download & submit the LAHL Salary Certificate (see Additional Relevant Forms section below)
3. Download & submit the Gift Letter Template (if applicable - see Additional Relevant Forms section below)
 

Please refer to the video tutorial below to assist you with your online application.

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,
Fingal County Council,
Civic Offices
Blanchardstown
Dublin 15

 

In person

At Fingal County Council's Blanchardstown Office, Grove Rd, D15 W638 (STRICTLY BY APPOINTMENT ONLY). 

In person appointments to submit the LAHL application form & supporting documentation can be made by emailing: [email protected]
Please note appointments can only be facilitated at Fingal County Council’s Blanchardstown Office.

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.

Contact us:
Please email queries to [email protected]