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Help to Buy (HTB) scheme

  1. Overview
  2. Who can claim HTB?
  3. What is a qualifying property?
  4. How much can you claim?
  5. What do you need to do before you apply?
  6. How do you apply for HTB?
  7. Information for applicants, lending institutions, solicitors and contractors
  8. Can Revenue claw back a refund?

Overview

Note

Changes to this information were announced by the Minister for Finance in his budget speech on 1 October 2024. For further information, please see Budget 2025.

The Help to Buy (HTB) scheme is an incentive for first-time property purchasers. It will help you with the deposit you need to purchase or self-build a new house or apartment. You must purchase or self-build the property to live in as your home.

Where you meet the required conditions, you will receive a refund of:

The refund will be from the four tax years prior to when you make your application. The refund will not include any refunds you have already claimed.

Enhanced HTB scheme

A temporary enhancement to the original HTB scheme was announced in the 2020 July Jobs Stimulus.

With the enhanced HTB scheme, applicants who satisfy certain conditions can claim an increased relief up to a maximum of €30,000. The enhanced HTB scheme is applicable from 23 July 2020 to 31 December 2025. The original HTB scheme applies from 1 January 2017 to 22 July 2020.

There is more information about the enhanced HTB scheme in the 'How much can you claim?' page of this section.

Next: Who can claim HTB?

Published: 02 October 2024 Print this page

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