Help to Buy (HTB) incentive

Who can claim the Help to Buy (HTB) incentive?

To claim HTB, you must:

  • be a first-time buyer
  • buy or build a new property between 19 July 2016 and 31 December 2021
  • live in the property as your main home for five years after you buy or build it
  • be tax compliant, if you are self assessed you must also have tax clearance.

To qualify, you must not have previously bought or built a house or apartment, either on your own or jointly with any other person. If you are buying or building the new property with other people, they must also be first-time buyers. If you have inherited or been gifted a property it will not affect your eligibility.

If you are buying the property, you must have signed a contract to buy that property on or after 19 July 2016. If you are self-building, you must have drawn down the first part of the mortgage on or after that date.

Approved developers and contractors

The contractor you are purchasing your home from must be approved by Revenue. You can check the list of approved developers and contractors to make sure that your developer or contractor is approved.

Next: What type of property qualifies?