Supports - Help to Buy Scheme - Mortgage Navigators

The Help to Buy (HTB) Scheme helps first-time buyers purchase a newly-built house or apartment. It also applies to once-off self-build homes. It only applies to properties that cost €500,000 or less.

The Help to Buy Scheme gives a refund of the income tax and Deposit Interest Retention Tax (DIRT) you have paid in Ireland over the previous 4 tax years.

Your mortgage

You must take out a mortgage of at least 70% of:
The purchase price of the property if you are buying your newly built home. The purchase price cannot be less than the market value.
The valuation approved by the mortgage provider, if you are building your home

You can claim relief on the lesser of:

€30,000
10% of the purchase price of a new build property
10% of the approved valuation of a self-build property
The amount of income tax and DIRT you paid for the previous 4 year

If you are a PAYE employee only, you can apply for the Help to Buy Scheme through Revenue’s myAccount service.

If you are a self-assessed taxpayer, you can apply through Revenue’s Online Service (ROS).