Services » Housing & Community

Housing Loans and Grants

Correspondence:

Senior Staff Officer,
Housing Loans & Grants Section,
Cork City Council,
City Hall,
Cork.

Open to Public: 10.00 a.m. to 4.00 p.m. Monday - Friday.

Telephone: (021) 4924169 / 4924243 / 4924591 / 4924512
Fax: (021) 4924511

Services Provided

• Tenant purchase scheme.
• Publicly Funded House Loans.
• Home Improvement Loans.  
• Disabled persons grant.
• Home Choice Loan

Tenant Purchase Scheme

The 2016 Incremental Purchase Scheme is now available for eligible properties. 

Application forms & FAQ explanatory documents can be found on this website under Housing Forms.

Telephone: (021) 4924169 / 4924243 / 4924591 / 4924512

Back to top

Publicly Funded House Loans

Persons who cannot obtain a sustainable mortgage from the private sector or purchase or build a dwelling may apply to the Local Authority. The loan limit is 97% of the property value to a maximum of €200,000 subject to income.  The maximum income limit for a single applicant is €50,000 (gross) and the maximum income for a joint application is €75,000 (gross).  The maximum loan term is 30 years.  Applicants also require 2 written refusals from private lenders as part of application.

Application form can be found on this website under Housing Forms.

Telephone: (021) 4924243

Back to top

Home Improvement Loans

Loans are available for the carrying out of improvement works on dwelling houses within the functional area of Cork City Council subject to compliance with certain conditions.

The maximum secured loan that can be advanced is €38,000 and the maximum unsecured loan to be advanced is €15,000. A loan shall not exceed 80% of the estimated cost of the works. The loan can be taken over 10 or 15 years.

Application forms & FAQ explanatory documents can be found on this website under Housing Forms.

Telephone: (021) 4924243

Back to top

Home Choice Loan

What is Home Choice Loan?

Home Choice Loan is a mortgage provided through a number of local authorities for First Time Buyers who cannot get sufficient finance from a bank or building society.  Home Choice Loan will provide up to 92% of the market value of a property purchased. The maximum loan amount will be € 285,000.  The loan is a normal Capital and Interest bearing mortgage which is repaid on a monthly basis.

The mortgage term will be for a maximum of 30 years.  Home Choice Loan will only be available for newly built homes.

How do I apply?

Information on how to apply is available on the Home Choice Loans website: www.homechoiceloan.ie

More information: Further information on Home Choice Loan can be found on www.homechoiceloan.ie or by calling 01 6564100 or email: loan@homechoiceloan.ie

Warning: The cost of monthly mortgage repayments can increase – if you do not keep up your repayments you may lose your home. 

Back to top

Disabled Persons Grant

Disabled Persons Grants are currently divided into the following applications;

• Housing Adaptation Grants for People with a Disability
• Mobility Aids Grant
• Housing Aid for Older People Grant

Application forms and details on the above schemes can be found on this website under Housing forms.

For further details please contact;

Back to top

Private Rented Dwellings

The Residential Tenancies Act 2004, which provides for the reform of residential landlord and tenant law, has now been enacted. The existing system of annual registration with local authorities has ceased and landlords are now required to register tenancies with the Private Residential Tenancies Board (PRTB), which has been established on a statutory basis by the Act.

Tel No. 01/8882960
Fax No. 01/8882819

Website: www.prtb.ie
E-mail: prtb@eiviron.ie

Back to top

Private rented accommodation registration and enforcement.

Registration

Registration under the Housing (Registration of Rented Houses) Regulations, 1996. Landlords must register houses, flats etc. let for rent or other valuable consideration with the Private Residential Tenancies Board within one month of letting. An annual fee is payable by the landlord for this registration.

An application form must be completed, giving the following details:

• The address of the house or flats,
• Description of the accommodation, i.e., whole house, apartments or flats, single, rooms etc.
• Name and address of landlord and of his agent appointed & PPS Number;
• Name of tenant, rent, how and when paid & PPS Number.

Applications Forms are available from the Private Residential Tenancies Board, Canal House, Canal Road, Dublin 6. (Tel. No. 01/8882960 & Fax No. 01/8882819)

Back to top

Classes of Records Held

• Housing Loan Applications,
• Disabled Grant Applications,
• Affordable Housing Applications,
• Income details supporting the applications,
• Technical reports on the property,
• Reports from the Health Board, Housing Welfare Officers and Chief Medical Officer,
• Financial information on assistance to persons providing housing for themselves and improving houses,
• Technical reports.