Applying for a Local Authority Home Loan

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This is a Government backed mortgage provided to first time buyers and Fresh Start applicants through local authorities. The Local Authority Home Loan scheme is for the purchase of new or second-hand residential properties and for self-builds. It also includes the purchase of homes through State schemes such as the Tenant Purchase Scheme and Affordable Housing Schemes, with the exception of the First Home Scheme. Applying for a Local Authority Home Loan

If you believe you qualify for a Local Authority Home Loan, here are the steps to apply:

  1. Contact Your Local Authority: Reach out to your local authority housing department to express your interest in applying for a home loan. They will provide you with the necessary information and application forms.
  2. Submit Your Application: Complete the application forms and gather the required documentation, including proof of income, identification, and details of the property you wish to purchase.
  3. Undergo Assessment: Your application will undergo assessment by the local authority to determine your eligibility and loan amount.
  4. Receive Decision: Once your application is processed, you will receive a decision on your loan application. If approved, you can proceed with purchasing your home.


Local Authority Home Loans offer a lifeline to individuals who face challenges in securing traditional mortgages. By providing government-backed financing options, these loans empower first-time buyers and those facing financial hardship to achieve their homeownership goals. If you meet the eligibility criteria, don’t hesitate to explore this opportunity and take the first step towards owning your own home.

For further information and assistance, contact your local authority housing department or visit their website to access resources and application forms.

Applying for a Local Authority Home Loan

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