First Time Buyers

Help to Buy Scheme

Get back up to €30,000 of the tax you've paid to fund your deposit on a new build home.

Key facts at a glance

€30,000

Maximum refund

10% of purchase price

Or up to

New builds only

Property types

€500,000

Max purchase price

70%

Minimum LTV

Last 4 years

Income tax refund

Who qualifies?

First time buyer — never owned a property in Ireland or abroad
Buying or self-building a new property (not second-hand)
Property purchase price must be €500,000 or less
Mortgage must be at least 70% LTV
Must be tax compliant (PAYE or self-assessed)
Must live in the property as your principal private residence

How much can you get?

The refund is the lesser of:

€30,000
10% of the purchase price of the property
The total income tax and DIRT you paid in the last 4 tax years

Example

Sean and Claire are buying a new build in Swords for €420,000. 10% of €420,000 = €42,000 — but the cap is €30,000, so they claim the maximum €30,000. This counts toward their deposit, reducing the mortgage they need.

How to apply

Check your eligibility

Confirm you're a first time buyer, buying a new build under €500k.

Apply on Revenue myAccount

Get your HTB code

Revenue issues an access code and summary code valid for 2 years. Give these to your solicitor and developer.

Developer claims the payment

Your developer submits a claim using your codes. The refund goes directly to them and is credited to your purchase.

Talk to Francis

We'll make sure you claim every cent you're entitled to

HTB combined with the First Home Scheme can significantly reduce your mortgage — we'll factor both into your full assessment.

Start your application Get a free mortgage feasibility report →

Warning: If you do not keep up your repayments you may lose your home.