The Help-to-Buy scheme: a complete guide

• Lending criteria, terms and conditions apply
• Applies to First Time Buyers only
• 90% LTV available for next time buyers in exceptional circumstances and subject to availability and individual lender conditions at the time
• Terms and Conditions apply to the mortgage package. Illustrations are based on a 2 year fixed rate 2.3% (APRC 3.15%). Loan to Value <90%. This rate currently reverts to 3.3% (APRC 3.37%) after the fixed rate expires this is subject to change. Terms and Conditions apply
• The rate used is only available to clients not seeking an exception
• Rates correct as at 01.10.2020
• May require a Central Bank exception (subject to availability)
• Central Bank deposit rules require a 10% deposit for first time buyers
• With the Help to Buy Scheme for first time buyers of new houses, a tax rebate of up to 10% (subject to an upper limit of €30,000) of the purchase price is potentially available on properties costing €500,000 or less, Revenue terms and conditions apply
• First time buyers of second hand houses will need to fund the 10% deposit themselves
• Exceptions above 3.5 times income are potentially an option subject to availability and lending criteria

Warning: You may have to pay charges if you pay off a fixed-rate loan early.

Warning: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it.

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