Calculate your Ireland First Home Scheme (FHS) equity support (up to 30% / 20% with HTB), Local Authority price caps, and Year 6+ service charge schedule.
Local authority caps & mortgage shortfall
Assuming 3% annual property growth, cost to buy out the 14.29% state equity:
FHS\ Equity = \min\Big(Property\ Price - (Mortgage + Deposit), \ \text{Cap}\% \times Property\ Price\Big) \\
\text{Cap}\% = \begin{cases} 20\%, & \text{if Help to Buy (HTB) used} \\ 30\%, & \text{if HTB not used} \end{cases} \\
\text{Service Fee}_{Y6-15} = FHS\ Equity \times 1.75\%\text{ / yr} \\
\text{Redemption Value}_t = \text{Market Value}_t \times FHS\ Equity\%The Irish First Home Scheme (FHS) bridges the gap between your mortgage + deposit and the purchase price of a new-build home. The state/banks take an equity stake of up to 30% (or up to 20% if combined with Help to Buy). Years 1-5 are service-charge free (0%). From Year 6 onward, a tiered annual service fee applies (1.75% Y6-15, 2.5% Y16-29, 2.85% Y30+). When you buy out the equity, redemption is based on the prevailing market valuation at that time.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual Central Bank of Ireland mortgage caps, Revenue PAYE/USC/PRSI rules, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a qualified financial advisor, CPA, or Irish Revenue documentation prior to executing financial commitments.
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