How much can I save with the Help-to-Buy scheme?
Your complete, up-to-date guide for Help-to-buy-scheme Buying your first home in Ireland can feel like a mix of excitement and mild panic. Between rising house prices, saving for a hefty deposit, and navigating mortgage rules, it’s no wonder many first-time buyers look for extra support. One of the most popular supports right now is the Help-to-Buy scheme — a government-backed initiative that could refund up to €30,000 of the taxes you’ve already paid. If you’re wondering how much can I claim HTB and whether it could actually make a difference for you, this guide will walk you through everything you need to know — in plain English. We’ll cover: What Is the Help-to-Buy Scheme in 2025? The Help-to-Buy-Scheme-Sc (HTB) scheme is designed to make it easier for first-time buyers in Ireland to get onto the property ladder. Instead of giving you a cash grant upfront, the government refunds some of the Income Tax and Deposit Interest Retention Tax (DIRT) you’ve paid in Ireland over the past four years. This refund can then go towards your house deposit, reducing the amount you need to save. The enhanced version of the scheme — which offers higher limits — will run until 31 December 2029. How Much Can I Claim from the Help-to-Buy Scheme? In 2025, the amount you can claim is the lowest of these three figures: PRSI and USC are not included in the calculation — only standard Income Tax and DIRT count. Example 1 – Getting the Maximum €30,000 Example 2 – Limited by Taxes Paid Who Can Apply for the Help-to-Buy Scheme? To qualify in 2025, both you and your property must meet the scheme’s requirements. Buyer Requirements Property Requirements Mortgage Rules How to Work Out Your Potential HTB Savings Follow these steps to estimate your refund: How the Refund Is Paid The Application Process in 2025 The process is handled by Revenue and is split into three stages. Stage 1 – Application Stage 2 – Claim Stage 3 – Verification Repayment Rules (Clawback) If you don’t follow the scheme’s rules, Revenue can reclaim part or all of your refund. You’ll have to repay if: Repayment rates: Years in property % You Must Repay 1 year 100% 2 years 80% 3 years 60% 4 years 40% 5 years 20% Common Mistakes That Could Cost You Final Word The Help-to-Buy scheme can be a game-changer for first-time buyers, potentially giving you back up to €30,000 of taxes to put towards your deposit. If you’re eligible and buying a new build, it’s well worth checking how much you can claim HTB — it could bring you one step closer to turning the key in your own front door. If you want the process to run smoothly, McKenna & Co Solicitors can guide you every step of the way. Our expertise in property law ensures you get clear advice and efficient handling of your purchase.