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Tools/First time buyers

Help to Buy checker.

Help to Buy refunds income tax and DIRT you paid over the last four years, up to €30,000, towards the deposit on a new home. Answer five questions and see where you stand.

€30,000

maximum refund

10%

of the price, at most

€500,000

price limit

The new home

Price of the new home

€150,000€700,000

Is everyone buying a first time buyer?

Is it a new build or a self build?

Will the mortgage be at least 70% of the price?

Will you live in it for at least five years?

Where you stand

10% of the price{{ tenPct }}

Scheme ceiling€30,000

Tax and DIRT you paid, last four yearsYour own figure

Refund, at most{{ reliefEur }}

The refund is the lowest of three figures: €30,000, ten per cent of the price, and the income tax and DIRT you actually paid over the last four years. Revenue's myAccount shows your own figure in minutes. Scheme rules current for 2026. A guide, not tax advice. Revenue decides every claim.

Talk to us before you sign↗

Worth knowing

Three things about the scheme that catch people.

The cap is threefold

The refund is the lowest of €30,000, ten per cent of the price, and the income tax plus DIRT you actually paid over the last four years. A low tax history means a low refund, whatever the price.

It runs to the end of 2029

New builds and self builds priced at €500,000 or less. Second hand homes do not qualify, and there is no stamp duty exemption for first time buyers either. They are two separate things.

Tell us before contracts

The relief is claimed at contract stage and paid to the builder as part of your deposit. We need your Revenue approval before the contract is signed, not after.

Buying your first home?

We handle first purchases every week. One call and you will know your next three steps, and what the whole purchase will cost.