Calculate your Revenue Ireland Help to Buy (HTB) rebate: Up to €30,000 or 10% of new-build purchase price based on income tax and DIRT paid over the last 4 tax years.
Revenue Ireland statutory Help to Buy criteria
USC and PRSI do not qualify; only PAYE Income Tax and DIRT count.
HTB\ Rebate = \min(€30,000, \ 10\% \times Property\ Price, \ \sum_{t=1}^{4} (PAYE + DIRT)_t) \\
\text{Condition 1: } Property\ Price \le €500,000 \\
\text{Condition 2: } Mortgage\ LTV \ge 70.0\% \\
Own\ Cash\ Deposit = \max(0, 10\%\text{ Deposit} - HTB\ Rebate)The Revenue Help to Buy (HTB) incentive refunds up to €30,000 of income tax paid over the past 4 years to help First-Time Buyers fund their deposit on a newly built or self-built home. The relief is the lesser of €30,000, 10% of property valuation, or total PAYE/DIRT paid over the prior 4 tax years, subject to a €500,000 price ceiling and 70% minimum mortgage LTV.
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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