How much is Help to Buy?

The lowest of three. €35,000 (€30,000 for contracts before 7 October 2026). 10% of the price. Or the income tax and Deposit Interest Retention Tax (DIRT) from the four years before you apply. The home must cost €500,000 or less, with a mortgage of at least 70%.

Can I use Help to Buy and the First Home Scheme together?

Yes. The First Home Scheme then covers up to 20% of the price instead of 30%. Help to Buy can count towards the 10% deposit it needs.

What does the First Home Scheme cost?

Nothing for the first five years. From year six, if you haven't bought back the share, a service charge of 1.75% a year applies to the amount funded, rising later.

Buying property

Help to Buy and the First Home Scheme

See how much Help to Buy and the First Home Scheme could add to your mortgage and savings, and whether the sums add up.

Self-assessment tool. The figures come from your own answers. It isn't advice, and you're responsible for what you file or claim. heypenny.ie is a trading name of Kinch Press. Read the disclaimer.

Common questions

How much is Help to Buy?: The lowest of three. €35,000 (€30,000 for contracts before 7 October 2026). 10% of the price. Or the income tax and Deposit Interest Retention Tax (DIRT) from the four years before you apply. The home must cost €500,000 or less, with a mortgage of at least 70%.
Can I use Help to Buy and the First Home Scheme together?: Yes. The First Home Scheme then covers up to 20% of the price instead of 30%. Help to Buy can count towards the 10% deposit it needs.
What does the First Home Scheme cost?: Nothing for the first five years. From year six, if you haven't bought back the share, a service charge of 1.75% a year applies to the amount funded, rising later.

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