How does it work?

To find out if you are eiligible, or to apply for a Home Choice Loan visit an authorised mortgage broker.

Complete an application form with your broker.  Your broker will submit the application form for assessment.

Your application form will be assessed by the Home Choice Loan central processing unit and your broker will be advised of the decision.

Applications are assessed by the Home Choice Loan central process unit.  Mortgages are then issued by four designated local authorities; Galway County Council, Kilkenny County Council, Cork City Council and Dublin City Council. The four designated local authorities provide the loan on behalf of all remaining local authorities as shown in the table below.

 
CORK CITY COUNCIL DUBLIN CITY COUNCIL GALWAY CO. COUNCIL KILKENNY CO.COUNCIL
Clare Louth Galway Kilkenny
North Tipperary Meath Mayo Longford
South Tipperary Fingal Roscommon Westmeath
Limerick Dublin City Leitrim Offaly
Kerry Dun Laoghaire Rathdown Cavan Laois
Cork South Dublin Monaghan Carlow
Waterford Kildare Sligo Wexford
  Wicklow Donegal  
 
Example; For an applicant buying a house in Newbridge, Co. Kildare their Home Choice Loan will be administered by Dublin City Council.
 
A new brochure has been developed to provide product information and a step-by-step guide for buyers wishing to apply for a Home Choice Loan.
 
Download Home Choice Loan Customer Brochure [PDF Document 665KB]

WARNING: THE COST OF YOUR MONTHLY REPAYMENTS MAY INCREASE - IF YOU DON'T KEEP UP YOUR REPAYMENTS YOU MAY LOSE YOUR HOME. THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.