Rebuilding Ireland Home Loan:
Rebuilding Ireland Home Loan is a new Government backed Mortgage for first time buyers. It is available nationwide from all local authorities from 1st February 2018.
As a first time buyer you can apply for a Rebuilding Ireland Home Loan to purchase a new or second-hand property, or to build your own home.
The loan is a normal Capital and Interest-bearing Mortgage which is repaid by direct debit on a monthly basis.
You can borrow up to 90% of the market value of the Property.
Maximum market values of the property that can be purchased or self-built is €250,000 in Kilkenny.
For More Information and Loan Pack
Rebuilding Ireland Home Loan
Kilkenny County Council may consider applications for loans to persons proposing to execute reconstruction, repair or improvement works on a house for their own occupation. Loans of up to €38,000, over a maximum period of 15 years, may be considered. Generally the following persons may be entitled to apply for this loan: -
(a) Farmers whose rateable valuation does not exceed €56 and persons working on their parents farm, the total rateable valuation of which does not exceed €84
(b) Other persons whose income does not exceed the qualifying limit for a loan e.g. Single income household = €40,000 or Double income household = multiply the gross income (before tax) of the principal earner in the last tax year by 2.5 and add the gross income of the subsidiary (lesser) earner in the last income tax year. If the result is €100,000 or less you are eligible.
Where special hardship would be caused by a strict adherence to the means test, the Council reserve the right to make a loan available to a person outside the prescribed means test.
Further Information and Application Forms are available from the Housing Authority.
Download Application Form:
Reconstruction Loan Application Form.docx (size 70.9 KB)
For Further Information on any of the above is available from:
Kilkenny County Council
John's Green House