Buying or building a home
First Home Scheme
A shared-equity scheme where the State and banks pay up to 30% of the price of your new home in return for an equity stake.
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What it is
The First Home Scheme bridges the gap between your mortgage, deposit and the price of a new home. It is not a loan — the State takes a percentage stake you can buy back later.
How much you can get
Up to 30% of the price shared-equity toward your home.
| Maximum equity | 30% of price |
| With Help to Buy | 20% of price |
| Minimum stake | €10,000 or 2.5% |
Who can get it
Over 18, a first-time buyer or Fresh Start applicant, with mortgage approval from a participating lender. You must borrow the maximum available and the home must be within your area's price ceiling.
What you’ll need
- Mortgage approval from AIB, Bank of Ireland or PTSB
- Minimum 10% deposit
- Proof of first-time buyer or Fresh Start status
How to apply
- Get mortgage approval from a participating lender
- Apply online at firsthomescheme.ie
- Receive your eligibility certificate and complete the purchase
Common questions
How much is the First Home Scheme?
Up to 30% of the price shared-equity toward your home. A shared-equity scheme where the State and banks pay up to 30% of the price of your new home in return for an equity stake.
Who qualifies for the First Home Scheme?
Over 18, a first-time buyer or Fresh Start applicant, with mortgage approval from a participating lender. You must borrow the maximum available and the home must be within your area's price ceiling.
How do you apply for the First Home Scheme?
Get mortgage approval from a participating lender Apply online at firsthomescheme.ie Receive your eligibility certificate and complete the purchase