Rebuilding Ireland Home Loan

The Rebuilding Ireland Home Loan is a new Government backed mortgage for First Time Buyers. Limerick City and County Council will consider applications from qualified persons for loans to purchase new or second hand properties or to build your own home under this scheme​.

Employment related eligibility criteria to account for the impact of the COVID-19 situation

In light of the Covid-19 situation, the requirement that a primary earner must have at least two years continuous employment and the second applicant must have at least one year of continuous employment is relaxed temporarily.

Periods where an applicant was unemployed as a direct result of the Covid-19 situation will not be deemed as a break in the required continuous employment and will be disregarded if certain conditions are met, including:

  • You became unemployed in or after March 2020 and you return to employment
  • You have resumed continuous employment for a period of at least three months post your Covid-19 unemployment
  • You can provide satisfactory evidence of the above to your local authority as part of your application

Continuous employment does not need to be permanent, but continuous in nature. This means you may be in the same employment or in more than one employment for that period, where a break in employment has lasted no more than 4 weeks.

Multiple casual employments will not be considered eligible.  In a situation of self-employment, a minimum of two full years accounts for that employment must be provided.

Covid-19: HPL1 Temporary Process

Social Housing applicants and applicants for the Rebuilding Ireland Home Loan should note that in light of the Covid-19 emergency, a temporary alternate arrangement has been put in place that will remove the need for them to have to obtain a physically completed HPL1 form from Revenue, either in person, by post, or by Revenue’s online systems ROS/ MyAccount. Instead, the applicant can request that the local authority undertake an electronic process to obtain the information from the Revenue Commissioners. Persons who wish to avail of this option should contact their local authority and request that the relevant HPL1 information be obtained on their behalf by the local authority.

Please use the Rebuilding Ireland Home Loan Calculator to check how much you may be eligible for.  Please note that the maximum loan you can apply for from Limerick City and County Council is €225,000.

To be eligible for a Rebuilding Ireland Home Loan you must:

If employed, you need to produce the following documents per applicant:

  • P60 for the most recent tax year
  • An original Salary Certificate stamped by the applicant's employer
  • 4 Recent payslips

If self-employed, you need to produce the following documents per applicant:

  • Audited Accounts/Account’s Reports for 2 years
  • Current Tax Balancing Statement for 2 years
  • Current preliminary Revenue Tax Payment Receipt

All applicants need to provide the following documents:

  • Photo ID Current Passport or Driving Licence
  • Proof of Present Address – current utility bill or Bank statement
  • Proof of long term Right of Residence in Ireland (if applicable)
  • Marriage Certificate (if applicable)
  • Divorce Certificate (if applicable)

Be able to provide proof of insufficient offers of finance from 2 financial institutions (Bank or Building Society lenders only).

If currently renting a property, tenants must be able to show evidence of proof of payment/rent book/statement for 6 consecutive months and have a clear rent account 6 months prior to applying for the Rebuilding Ireland Home Loan. 


You must show evidence of 12 months continuous savings, including all your current account/saving statements/credit union statements, to cover the legal fees and stamp duty (if necessary).

If renting, you must show proof of 12 months rent payments.

Loan Repayment Capacity

You must be able to provide clear evidence of your ability to repay the minimum mortgage repayment over the last 12 months by paying rent in full and/or savings.


You must produce 12 months of credit card/loan statements for any loans that are outstanding by you.

Click here for more information about the criteria that need to be fulfilled to apply for consideration for a Rebuilding Ireland Home Loan.

Making an Application

To apply for a Rebuilding Ireland Home Loan please complete an application form (available to download in the supporting documents below). You will also need a HPL1 form stamped by the Revenue Commissioner, a Social Welfare form stamped by Social Welfare, and you need to give consent to an Irish Credit Bureau check, along with providing all the accompanying documents required, so we can assess your application.

Please return your application form and documents in person to:

Customer Services
Limerick City and County Council
Merchants Quay
Limerick V94 EH90

Or post to:

Rebuilding Ireland Home Loans
Housing Support Services Department
Limerick City and County Council
Merchants Quay
Limerick V94 EH90

Email Rebuilding Ireland Home Loan Enquiries to:

For more information including a loan calculator please go to

Phone +353 61 557047

If you are deemed eligible for the scheme, you will meet a member of the Housing Loans team at a suitable date and time in Corporate Headquarters, Limerick City and County Council, Merchants Quay, Limerick, V94 EH90. Your application will then be sent to the Housing Finance Agency and Credit Committee for their recommendations and you will be notified of their decision. 

Click here to download more information about Getting a Homeloan from your Council.

This service is provided by

Housing Support Services

Phone +353 61 556000
Limerick City and County Council, Merchant's Quay, Limerick, V94 EH90