Ireland version
How it works
Calculate the arithmetic upper limit of the enhanced Irish Help to Buy relief, not a Revenue eligibility determination or a mortgage deposit approval.
This is the Ireland planning view, with monetary inputs and outputs in EUR. A currency label does not establish that a tax rate, construction price, coverage rule or legal limit has been verified locally. The inputs and limitations below describe the actual scope.
Input query strings and outputs
Use an input name in this page’s URL as ?name=value, and join additional inputs with &. Portable shared links may instead use the compact ?ac= state parameter.
Input query strings
4-
?price=Qualifying new-home purchase/self-build valueMoney · Required · Default: 350,000
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?loan=Qualifying loan amountMoney · Required · Default: 280,000
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?eligibleTax=Income Tax and DIRT paid over relevant preceding four yearsMoney · Required · Default: 25,000
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?eligibilityConfirmed=First-time-buyer, new-home, tax compliance and occupancy conditions verifiedTrue or false · Optional · Default: false
Outputs
3-
ltvLoan-to-value ratioPercentage
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capEnhanced HTB upper limit for entered factsCurrency · Primary output · Currency: EUR
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assessmentCondition checkText
Formula
Enhanced HTB cap = min(€30,000, 10% of value, qualifying Income Tax + DIRT paid), subject to value ≤ €500,000 and qualifying LTV ≥ 70%.
Calculations retain numeric precision internally. Displayed values are rounded for readability. Quantities that must be purchased as whole units are rounded up only where the formula explicitly requires it.
Read the inputs before calculating
- Qualifying new-home purchase/self-build value: Enter the quantity described by the label.
- Qualifying loan amount: Enter the quantity described by the label.
- Income Tax and DIRT paid over relevant preceding four years: Enter the quantity described by the label.
- First-time-buyer, new-home, tax compliance and occupancy conditions verified: Enter the quantity described by the label. Leave this unconfirmed until you have actually checked the required condition.
Reproducible worked example
The following is a fictional arithmetic example, not a local quote, a verified claimant or a market forecast. Its values are included so the formula can be checked. The form does not automatically confirm any verification checkbox.
First-time-buyer, new-home, tax compliance and occupancy conditions verified: assumed confirmed solely for this fictional demonstration
| Input | Example value |
|---|---|
| Qualifying new-home purchase/self-build value | 350,000 |
| Qualifying loan amount | 280,000 |
| Income Tax and DIRT paid over relevant preceding four years | 25,000 |
| First-time-buyer, new-home, tax compliance and occupancy conditions verified | true |
| Output | Calculated result |
|---|---|
| Loan-to-value ratio | 80 |
| Enhanced HTB upper limit for entered facts | EUR 25,000 |
| Condition check | Within numerical limits; Revenue approval still required |
Interpreting a changed assumption
Start with one complete scenario and change only one input when diagnosing a difference. Recheck units, the period of every rate, whether an amount is recurring or one-off, and whether a cost is already included elsewhere. A larger calculated benefit is not evidence that an assumption is more likely to occur.
Limitations
- Planning calculation, not a tax return, benefit decision, credit approval or legal opinion. No eligibility is inferred from a numeric result.
- Only the stated tax year and expressly supported rule components are included. Entered amounts require independent verification.
- Enhanced relief period currently extends through 2029-12-31. USC and PRSI do not count as qualifying tax. Affordable-purchase contribution rules and First Home Scheme interactions require separate review.
Frequently asked questions
What does this Ireland Help to Buy Cap result represent?
Calculate the arithmetic upper limit of the enhanced Irish Help to Buy relief, not a Revenue eligibility determination or a mortgage deposit approval. It applies the displayed formula to your inputs; it does not infer omitted facts.
Are the starting amounts verified Ireland prices or legal rules?
No. Numeric defaults are illustrative unless an input or dated reference explicitly identifies a researched component. Currency is EUR; local quotes, eligibility and unsupported rules must be entered and verified separately.
What must I check before relying on the result?
Planning calculation, not a tax return, benefit decision, credit approval or legal opinion. No eligibility is inferred from a numeric result. Only the stated tax year and expressly supported rule components are included. Entered amounts require independent verification.
Can I compare or share different assumptions?
Change one assumption at a time and use the browser-local project or share controls. A shared URL contains the encoded input values; do not include information you do not wish to disclose.
Sources and reference scope
- IE income authority — retrieved 2026-09-24. Use only the expressly supported schedule components; this link does not validate unrelated taxes.
- Revenue HTB amount — retrieved 2026-09-24. Enhanced cap, not eligibility approval.
- Revenue HTB qualifying property — retrieved 2026-09-24. Value and qualifying-loan requirements.
These references support only their stated scope. They are not evidence that every local rule or price needed by the master expansion has been loaded.