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  • 045 980200
  • Head Office: Áras Chill Dara Devoy Park Naas Co Kildare W91 X77F

Housing

Public counter by
appointment only -
To book appointment
phone the relevant section below

Housing Contacts:

Allocations

Appointment Only
Tuesday,Wednesday 9am - 1pm

045 980705


Homeless Services

Appointment Only
Monday to Friday 9am - 1pm

045 980230


Housing Grants

Appointment Only
Wednesday 9am - 1pm

045 980480


HAP

Appointment Only
Monday to Friday 9.30am to 11.30am
Level 1

045 980818


Loans/Tenant Purchase/Conveyancing

Appointment Only
Monday to Friday 2pm to 4pm
Level 1

045 980780


Assessments/Transfers

Appointment Only
Monday to Friday 2pm to 4pm
Level 1

045 980870


Rent/Travellers

Appointment Only
Monday to Friday 2pm to 4pm
Level 1

045 980991


Housing Maintenance

045 980998

045 980200

Email

allocations@Kildarecoco.ie
conveyancing@kildarecoco.ie
estatemanagement@kildarecoco.ie
hap@kildarecoco.ie
homelessadmin@kildarecoco.ie
housingadmin@kildarecoco.ie
housingloans@kildarecoco.ie
inspections@kildarecoco.ie
leasing@kildarecoco.ie
rentassessment@kildarecoco.ie

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:

 

Housing Loans

Kildare County Council

Áras Chill Dara

Devoy Park

Co.Kildare

W91 X77F

or by email:

housingloans@kildarecoco.ie 

A 'Fresh Start' principle also applies to the Local Authority Home Loans scheme. This means that people who are divorced, legally separated/separated or the relationship has ended and have no financial interest in the family home are eligible to apply under this scheme. People who have undergone personal insolvency/bankruptcy proceedings will also be eligible to apply for the Local Authority Home Loans Scheme.

In line with Central Bank rules, a person or couple can borrow up to 90% of the market value of the property. Under the loan, there are two rate options. 

  • Fixed rate of 4.00% up to 25 years
  • Fixed rate of 4.05% up to 30 years

The Local Authority Home Loan can be used for:

  • Private purchase (including self-build)
  • Affordable Property
  • Local Authority Tenant Incremental Purchase

There is a cap on the value of the home you can buy in Co Kildare of €360,000.

Main Elements

  • provides up to 90% of the market value of a property
  • the maximum loan amount is €324,000
  • the maximum loan term is 30 years or up to the age of 70
  • the loan is a normal capital and interest-bearing mortgage
  • it is repaid on a monthly basis by direct debit

To qualify for a Local Authority Home Loan, applicants must:

  • be a first-time buyer, with the exception of applicants qualifying under the Fresh Start Principle
  • be aged between 18 and 70 years
  • a single applicant must earn less than €70,000 annual gross income
  • joint applicants must earn less than €85,000 annual gross income combined
  • provide proof of insufficient mortgage offer from two regulated financial providers (this must be less than the amount you are requesting from the Council)
  • be in continuous employment for a minimum of two years as primary earner and a minimum of one year as secondary earner (if self-employed be able to submit two years certified accounts)
  • intend to occupy the property as their normal place of residence
  • currently have a legal right to reside and work in the State and be able demonstrate that they are habitually resident in Ireland