Property
Help to Buy Calculator Ireland
Check the value and mortgage threshold and cap the refund by eligible prior taxes. This free help to buy calculator ireland shows the calculation and its assumptions so you can compare your own figures.
Your results
Check the value and mortgage threshold and cap the refund by eligible prior taxes.
Calculated outcomes
- Potential Before Eligibility
- €25,000.00
- Modelled Conditions Met
- No
Assumptions and estimates
- Enhanced HTB rules applicable in 2026: lowest of €30,000, 10% of value, or eligible Income Tax and DIRT paid in the four prior years net of refunds. All buyers must be eligible first-time buyers; new qualifying main home/approved self-build value cannot exceed €500,000. Mortgage must reach 70%; eligible post-11 October 2023 Local Authority Affordable Purchase contribution can count, First Home Scheme equity cannot. Revenue approval and residence/clawback conditions remain.
- Method: Refund is min(€30,000, 10% value, eligible prior taxes), conditional on value ≤ €500,000 and qualifying finance ≥ 70%. First Home Scheme equity does not count.
- Rates/conditions reviewed against the linked official sources on 5 October 2026. Confirm the stated scope before relying on the result.
Sources: Official rules and guidance, Refund limits and eligible tax years
Useful next steps
- Use Compare options to test an alternative side by side.
- Check the official sources above before relying on the figure.
- Copy, print or download a record of this calculation when you need one.
Reports open your email app addressed to s@s1.ie with the public page address only. Your inputs are never added.
How the help to buy refund estimate calculation works
Refund is min(€30,000, 10% value, eligible prior taxes), conditional on value ≤ €500,000 and qualifying finance ≥ 70%. First Home Scheme equity does not count.
Rates/conditions reviewed against the linked official sources on 5 October 2026. Confirm the stated scope before relying on the result.
Using this calculator
- Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
- Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
- Review estimated help to buy and qualifying loan to value percent, then read the stated assumptions and eligibility conditions before using the result.
Official sources and further information
Worked example
This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.
See example inputs
- Full new-home value / approved self-build valuation (€)
- 400000
- Qualifying mortgage (€)
- 320000
- Eligible Local Authority contribution only (€)
- 0
- Eligible four-prior-year Income Tax and DIRT net of refunds (€)
- 25000
- All buyer, property, lender and Revenue conditions are verified
- No
- Estimated Help To Buy
- €0.00
- Qualifying Loan To Value Percent
- 80%