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Mortgage Allowance Scheme

If you are looking for an Application form or Council Document you will find them in the All Publications section of this website or alternatively if you are looking for a Housing document or Applications form you can find in Housing Documents & Forms section of this website

Tenants or tenant purchasers of a local authority house returning their existing house to the local authority and taking out a mortgage of at least €38,092 to purchase a house or to have a house built may qualify for a mortgage allowance. The allowance is also available to certain tenants of voluntary housing associations. The mortgage allowance is an allowance of up to €11,450 paid on a reducing basis over 5 years and is designed to ease the transition from rent to mortgage. The allowance is paid directly to the mortgage lender so that the beneficiaries mortgage repayments are reduced by the amount of the subsidy.

House Purchase and Improvement Loans

Individuals who wish to purchase a house or to build a house but cannot get a loan from a building society, bank etc. etc. may be eligible for a local authority housing loan. In order to qualify, such individuals must:

  1. Have been refused a loan by both a bank and a building society.
  2. Meet an income eligibility test.
  3. The borrower or his or her spouse must never previously have purchased or constructed a house.

Tenant (Incremental) Purchase Scheme 2016

A new Tenant (Incremental) Purchase Scheme is now available for eligible tenants to purchase their house from Carlow County Council. Eligible houses will be sold at a discount, based on household income, provided you meet the eligibility criteria for the scheme. In order to qualify to purchase your house, your primary source of income must be from employment. Certain houses are not included in the scheme. Please refer to the Tenant Information Booklet for further information, or contact the Housing Department at 059-9170362.