Buying or building a home
Help to Buy (HTB)
A tax refund of up to €30,000 to help first-time buyers fund the deposit on a new or self-build home.
AmountUp to €30,000tax refund for first-time buyers
Who runs itRevenue
Best forFirst-time buyers of a new build
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Work out your grant
A quick estimate. Not a guarantee — always confirm on the official source.
What it is
Help to Buy refunds the Income Tax and DIRT you paid over the previous four years to put toward the deposit on a new-build or self-build home. It does not apply to second-hand homes.
How much you can get
Up to €30,000 tax refund for first-time buyers.
| Maximum refund | €30,000 |
| Or 10% of the price | whichever is lower |
| Property price cap | €500,000 |
Who can get it
You must be a first-time buyer with no previous property ownership anywhere, buying or building a new home under €500,000 to live in, with a mortgage of at least 70% of the value.
What you’ll need
- Proof of first-time buyer status
- Mortgage approval (70%+ loan-to-value)
- Signed contract or proof of drawdown for a self-build
- Tax compliance for the previous 4 years
How to apply
- Apply online through Revenue myAccount or ROS
- Get an application number and have it verified
- Make your claim — the refund is paid to the contractor (purchase) or your bank (self-build)
Official source: Revenue — Help to Buy. Figures current June 2026. This is a free guide, not a government service — always confirm on the official page.