Ireland Help to Buy 2027 Calculator — €30,000 First-Time Buyer Refund
Calculate your Ireland Help to Buy (HTB) refund for 2027 — up to €30,000 or 10% of property value, recoverable as PAYE/DIRT income tax refund over the past 4 years.
€30,000 / 10% Cap
Maximum HTB refund is €30,000 or 10% of property value, whichever is lower. Property cap is €500,000 (no refund on portion above). At a €450,000 property: 10% = €45,000 but capped at €30,000.
First-Time Buyer Only
Both buyers (if joint) must be first-time. Previous home ownership anywhere (Ireland or abroad) disqualifies. Must occupy as PPR for 5 years; sell within 5 years and refund some HTB.
New Build / Self-Build
Only new builds (from a developer) or self-builds (you build a new house) qualify. Second-hand homes do NOT qualify. The property must have full LPT compliance and be unoccupied since construction completion.
How Refund Works
HTB is a refund of PAYE/USC/DIRT paid in past 4 years. Apply via Revenue MyAccount before signing contract. Funds go to developer (deduct from price) or paid to your bank account for self-builds. No tax due on refund itself.
Source: revenue.ie Help to Buy scheme extended to 2026/27. Last updated: May 2026.
Frequently Asked Questions
Can I use HTB with First Home Scheme?
Yes — HTB and FHS (First Home Scheme equity share) can stack, allowing very low cash deposits especially on new builds. Many buyers combine both.
What if I don't have 4 years of PAYE?
Refund is limited to actual tax paid. Shorter work history = smaller refund. Self-employed have separate (lower) HTB calculation based on Schedule D contributions.
When does HTB expire?
Currently extended to end of 2029 (per Budget 2025). Government reviews biennially; assume it continues but plan for possible end-of-year deadlines.
Do I lose HTB if I sell within 5 years?
Yes — pro-rata clawback. Sell after 3 years = repay 2/5 of HTB. Sell after 5 years = no clawback. Reason: prevent flipping for capital gain.
Is my data private?
Yes. All calculations run in your browser. Inputs are never sent, stored, or shared.