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.

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€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.