🧾 What is the Help to Buy Scheme?
The Help to Buy (HTB) scheme is a government initiative that refunds income tax and DIRT you’ve paid over the past 4 years — helping you meet your deposit requirement.
💸 How Much Can I Get?
You can claim the lowest of:
- €30,000
- 10% of the home’s purchase price (or completion value)
- Total tax (Income Tax & DIRT) you’ve paid in the past 4 years
Example: Buying a €300,000 home? You may qualify for a €30,000 rebate — the full 10% deposit.
🏡 What Properties Qualify?
The scheme applies to:
- New builds from approved developers
- Self-build homes
- Homes valued under €500,000
✅ Who’s Eligible?
- All applicants must be first-time buyers
- You must take out a mortgage of at least 70%
- The property must be your primary residence
- You must be tax-compliant
📲 How to Apply
- Log in to MyAccount or ROS on Revenue.ie
- Complete the HTB application
- Get your Application Number and Access Code
- Give these to your builder/solicitor to claim the rebate
🔒 Key Tips
- Make sure the developer is HTB-approved
- Use the Revenue calculator to estimate your rebate
- You can combine this with the First Home Scheme
✅ Conclusion
If you're buying your first home, the Help to Buy scheme is a powerful way to reduce how much deposit you need. It’s simple, fast, and often worth up to €30,000 — don’t miss out!