Home > Our Services > Housing > Promoting home ownership > Local Authority Home Loan

Local Authority Home Loan 

A Local Authority Home Loan is a Government backed mortgage for first time buyers or “fresh start” applicants through local authorities. The scheme is for the purchase of new or second-hand residential properties and for self-builds. It also includes the purchase of homes through State schemes such as the Tenant Purchase Scheme and Affordable Housing Schemes, with the exception of the First Home Scheme.

The "fresh start" principle means that people who are divorced or separated and have no interest in the family home, or who have undergone personal insolvency or bankruptcy arrangement or proceedings or other legal process, will be eligible to apply.

The Local Authority Home Loan is available nationwide from all local authorities from 4th January 2022.

The loan is a normal Capital and Interest-bearing mortgage which is repaid by direct debit on a monthly basis.

Maximum market value of the property that can be purchased or built in County Westmeath is €300,000.

For further information on this scheme please visit the Local Authority Home Loan website.

How to Apply

Please organise a phone appointment with Westmeath County Council before applying. Applications can be submitted by post, email or at your local housing office. Contact details below.

Contact Details 

Housing Section

Westmeath County Council

Áras an Chontae

Mount Street


Co. Westmeath

N91 FH4N

Housing Section

Westmeath County Council

Civic Offices

Church Street


Co. Westmeath

N37 P2T5

Tel: 044 93 32119 Tel: 090 64 42185
Email: housingloans@westmeathcoco.ie Email: housingloans@westmeathcoco.ie

Related Files and Information