Housing Loans

Waterford City and County Council facilitates both home improvement loans and house purchase loans, if an applicant meets the criteria.

  • Annuity Loan
  • Improvement Works in Lieu of LA Housing
  • Mortgage Allowance Scheme
  • Housing Loans
  • The Housing Loans Office provides administrative assistance to persons wishing to become home owners, through the various schemes run by the Waterford City and County Council. These include the Local Authority House Purchase Loan scheme.

    House Purchase Loan
    If you wish to purchase a house (new or second-hand) in the ordinary way or to build a house, but you cannot get a loan to meet your requirements from a building society or bank, you may be eligible for a loan from Waterford City and County Council. In order to qualify, you must meet an income eligibility test which takes into account the incomes of the principal, and any second earner in the household. The maximum house purchase loan available is €220,000. The interest rate on loans is variable, in line with the typical lending institution rate.

    How Do I Apply?
    Call our Customer Service desk and ask to speak to someone regarding Housing Loans.

  • Application Form for a Housing Loan

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