{"id":6920,"date":"2018-02-08T15:36:18","date_gmt":"2018-02-08T15:36:18","guid":{"rendered":"https:\/\/www.ccpc.ie\/consumers\/?page_id=6920"},"modified":"2024-02-16T14:17:39","modified_gmt":"2024-02-16T14:17:39","slug":"state-supports-for-first-time-buyers","status":"publish","type":"page","link":"https:\/\/ccpc.inventise.ie\/consumers\/money\/mortgages\/state-supports-for-first-time-buyers\/","title":{"rendered":"Supports for first time buyers"},"content":{"rendered":"<p>There are several supports available to help first time buyers. Depending on your circumstances, you may be eligible for one or more of the following schemes.<\/p>\n<h2>Help to Buy incentive<\/h2>\n<p>Help to Buy can help with the deposit for a new build home, or a once-off self-build. This scheme provides a refund of certain taxes paid over the previous four years, up to \u20ac30,000.<\/p>\n<p>To qualify, the value of the property you\u2019re buying must be less than \u20ac500,000. You must also take out a mortgage for at least 70% of the value of the property. You can read more about Help to Buy, and apply on <a href=\"https:\/\/www.revenue.ie\/en\/property\/help-to-buy-incentive\/what-type-of-property-qualifies.aspx\">Revenue.ie<\/a>.<\/p>\n<h2>First Home Scheme<\/h2>\n<p>First-time buyers may be eligible for the government\u2019s First Home Scheme. This is a shared equity scheme and can provide up to 30% of the price of a new home. You may be able to use this scheme as well as the Help to Buy incentive, but there are strict limits to property price and mortgage amounts.<\/p>\n<p>Read more about the <a href=\"https:\/\/www.firsthomescheme.ie\/\">First Home Scheme<\/a>.<\/p>\n<h2>Local Authority Home Loan<\/h2>\n<p>The scheme is for buyers of new or second-hand homes, and for self-builds. A \u2018Fresh Start\u2019 principle means that people who are divorced, separated, or who have undergone insolvency, may be eligible.<\/p>\n<p>To be eligible for a Local Authority Home Loan, you must meet strict income and house value limits. You must also be able to show that you could not get the required mortgage from a traditional lender.<\/p>\n<p>Learn more about the <a href=\"https:\/\/localauthorityhomeloan.ie\/\">Local Authority Home Loan<\/a>.<\/p>\n<h5><\/h5>\n<p>&nbsp;<\/p>\n<h5><\/h5>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h5><\/h5>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are several supports available to help first time buyers. Depending on your circumstances, you may be eligible for one or more of the following schemes. Help to Buy incentive Help to Buy can help with the deposit for a &hellip;<\/p>\n","protected":false},"author":111,"featured_media":0,"parent":221,"menu_order":108,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"tags":[18,54,8,17],"class_list":["post-6920","page","type-page","status-publish","hentry","tag-housing","tag-housingmoney","tag-money","tag-mortgages"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Supports for first time buyers - CCPC Consumers<\/title>\n<meta name=\"description\" content=\"The Competition and Consumer Protection Commission is an independent statutory body that enforces competition and consumer protection law in Ireland\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Supports for first time buyers - 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