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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

Local Authority Home Loan

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

How to apply:
Applicants must complete a Local Authority Home Loan application form which is available for download here and return it to:

                                Carlow County Council,

                                Housing Department,

                                Inner Relief Road,


                                Co. Carlow.


For Local Authority Home Loan enquires please contact Carlow County Council on 059-9170362 / 059-9172481, or email [email protected].

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.

Mortgage Allowance Scheme

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:

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