The Help-to-Buy scheme: a complete guide

Sherry FitzGerald Mortgages

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As part of our series of guides on Financial Services topics for first-time buyers, here you’ll find our complete guide to the Irish government’s Help-to-Buy scheme, a tax refund initiative worth up to €30,000 to home buyers in Ireland.

Our guide will help you to 

  • Access if you qualify  
  • Assess whether your possible new home fits the criteria 

We’ll also detail the application process and provide you with simple step-by-step instructions that will help you register for, and ultimately secure your tax refund.

At Sherry FitzGerald Mortgages, we’re with you every step of the way, from getting mortgage-ready to the mortgage process. Review our guide and if you have any queries, please do not hesitate to get in touch.


Please note, current government policy states that the Help-to-Buy scheme has been enhanced until the end December 2025. Please find a link to the Citizen’s Information here

Mortgage Calculator

Please be advised that the calculator is for indicative purposes only
Minimum Cash Deposit Required ? 0
Max First Home Scheme Available 0
Loan Amount 0

Your Mortgage Results

Cash deposit
Help To Buy Scheme
Total deposit ?
Monthly Repayments
in the 1st Year ?
With the 5-year fixed rate default rate, Year 1-5 payments will remain the same. If an alternative rate is selected, repayments will vary. No First Home Scheme Service Charge is applicable in Year 1-5. From Year 6 onwards a First Home Scheme Service Charge will apply.
Monthly Repayments
Household Salary Required

This calculator is for illustrative and guidance purposes only.

The amount you can borrow will depend on your individual circumstances and is subject to lending criteria, terms and conditions.

The limits applied can vary so it is important to contact us to discuss your options.

For full terms, please click here.

Above illustration based on 5 year fixed rate of 4.0% (APRC 4.1%)

Download our guide to the Help-to-Buy incentive right here. Find out if you qualify for the scheme, see how much you are entitled to and assess whether your possible new home fits the criteria.

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