{"id":14666,"date":"2026-01-25T16:24:15","date_gmt":"2026-01-25T16:24:15","guid":{"rendered":"https:\/\/themortgagearchitect.ie\/wordpress\/?page_id=14666"},"modified":"2026-01-27T20:41:01","modified_gmt":"2026-01-27T20:41:01","slug":"help-to-buy-scheme","status":"publish","type":"page","link":"https:\/\/themortgagearchitect.ie\/wordpress\/help-to-buy-scheme\/","title":{"rendered":"Help To Buy Scheme"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"14666\" class=\"elementor elementor-14666\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-260bbdc6 e-con-full e-flex e-con e-parent\" data-id=\"260bbdc6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-128215e1 e-flex e-con-boxed e-con e-child\" data-id=\"128215e1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11b44d86 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"11b44d86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Help To Buy Scheme<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-639246d e-flex e-con-boxed e-con e-parent\" data-id=\"639246d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c88dab elementor-widget elementor-widget-text-editor\" data-id=\"6c88dab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3><b>What is the Help to Buy Scheme?<\/b><\/h3><p><span style=\"font-weight: 400;\">The <\/span><b>Help to Buy (HTB) Scheme<\/b><span style=\"font-weight: 400;\"> is a Government incentive that helps <\/span><b>first-time buyers<\/b><span style=\"font-weight: 400;\"> fund the <\/span><b>deposit required to buy or self-build a new home<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">It works by <\/span><b>refunding some of the Income Tax and DIRT<\/b><span style=\"font-weight: 400;\"> you have paid in Ireland over the previous <\/span><b>four tax years<\/b><span style=\"font-weight: 400;\">, subject to specific limits.<\/span><\/p><p><span style=\"font-weight: 400;\">The scheme currently runs until <\/span><b>31 December 2029<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p>\u00a0<\/p><h3><b>How much can I get?<\/b><\/h3><p><span style=\"font-weight: 400;\">You can receive the <\/span><b>lowest<\/b><span style=\"font-weight: 400;\"> of:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u20ac30,000<\/b><span style=\"font-weight: 400;\">, or<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The <\/span><b>total Income Tax and DIRT<\/b><span style=\"font-weight: 400;\"> you paid over the previous four years, or<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>10% of the purchase price<\/b><span style=\"font-weight: 400;\"> (or approved valuation for a self-build)<\/span><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">The refund is capped and <\/span><b>cannot exceed 10% of the property value<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><h3>\u00a0<\/h3><h3><b>Who can apply?<\/b><\/h3><p><span style=\"font-weight: 400;\">You must:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be a <\/span><b>first-time buyer<\/b><span style=\"font-weight: 400;\"> (never previously owned or built a home)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Buy or self-build a <\/span><b>new residential property<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use the property as your <\/span><b>principal private residence<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Take out a <\/span><b>qualifying mortgage<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be <\/span><b>fully tax compliant<\/b><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">HTB applications can be made by:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An <\/span><b>individual<\/b><span style=\"font-weight: 400;\">, or<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A <\/span><b>group<\/b><span style=\"font-weight: 400;\"> (e.g. couples or joint purchasers)<\/span><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">All applicants in a group <\/span><b>must be first-time buyers<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><h3>\u00a0<\/h3><h3><b>What properties qualify?<\/b><\/h3><p><span style=\"font-weight: 400;\">The scheme applies to:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Newly built homes purchased from a qualifying contractor<\/b><span style=\"font-weight: 400;\">, or<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Self-build properties<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">The property must:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be located in Ireland<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be occupied as your <\/span><b>main home<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fall within the qualifying period (contracts signed or mortgage drawn down between <\/span><b>1 January 2017 and 31 December 2029<\/b><span style=\"font-weight: 400;\">)<\/span><\/li><\/ul><h3>\u00a0<\/h3><h3><b>How does the refund work?<\/b><\/h3><p><span style=\"font-weight: 400;\">&#8211; For <\/span><b>new builds<\/b><span style=\"font-weight: 400;\">, the HTB refund is paid <\/span><b>directly to the builder<\/b><span style=\"font-weight: 400;\"> and forms part of your deposit<\/span><\/p><p><span style=\"font-weight: 400;\">&#8211; For <\/span><b>self-builds<\/b><span style=\"font-weight: 400;\">, the refund is paid into a <\/span><b>bank account held with your mortgage provider<\/b><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">The refund is only paid <\/span><b>after Revenue verifies your claim<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><h3>\u00a0<\/h3><h3><b>How do I apply?<\/b><\/h3><p><span style=\"font-weight: 400;\">The Help to Buy process has <\/span><b>three stages<\/b><span style=\"font-weight: 400;\">:<\/span><\/p><h4>\u00a0<\/h4><h4><b>1. Application Stage<\/b><\/h4><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Apply online via:<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><b>myAccount<\/b><span style=\"font-weight: 400;\"> (PAYE workers), or<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><b>ROS<\/b><span style=\"font-weight: 400;\"> (self-assessed taxpayers)<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select up to <\/span><b>four tax years<\/b><span style=\"font-weight: 400;\"> for refund calculation<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Receive:<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">An <\/span><b>Application Number<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">An <\/span><b>Access Code<\/b><\/li><\/ul><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">At this stage, you are shown a <\/span><b>potential maximum refund<\/b><span style=\"font-weight: 400;\"> (this is not final).<\/span><\/p><h4>\u00a0<\/h4><h4><b>2. Claim Stage<\/b><\/h4><p><span style=\"font-weight: 400;\">You can only make a claim <\/span><b>after<\/b><span style=\"font-weight: 400;\">:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Signing a contract to buy a new home, or<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Drawing down the first stage of your mortgage (self-build)<\/span><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">You must provide details of:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The property<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The mortgage<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The purchase price or valuation<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any shared equity scheme used (e.g. First Home Scheme or Affordable Purchase Scheme)<\/span><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Supporting documents are required, such as:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mortgage letter of offer<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Signed purchase contract (or valuation report for self-builds)<\/span><\/li><\/ul><h4>\u00a0<\/h4><h4><b>3. Verification Stage<\/b><\/h4><p><span style=\"font-weight: 400;\">Before payment:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Builders<\/b><span style=\"font-weight: 400;\"> verify claims for new homes<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Solicitors<\/b><span style=\"font-weight: 400;\"> verify claims for self-builds<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Once verified, Revenue processes and issues the refund.<\/span><\/p><h3>\u00a0<\/h3><h3><b>Shared equity and Help to Buy<\/b><\/h3><p><span style=\"font-weight: 400;\">If you are using a <\/span><b>shared equity scheme<\/b><span style=\"font-weight: 400;\"> (such as the <\/span><b>First Home Scheme<\/b><span style=\"font-weight: 400;\"> or a <\/span><b>Local Authority Affordable Purchase Scheme<\/b><span style=\"font-weight: 400;\">), this must be declared during the claim stage.<\/span><\/p><p><span style=\"font-weight: 400;\">Shared equity funding:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Is not included<\/b><span style=\"font-weight: 400;\"> as part of the qualifying mortgage amount<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Does <\/span><b>not prevent<\/b><span style=\"font-weight: 400;\"> you from claiming HTB, provided all conditions are met<\/span><\/li><\/ul><h3>\u00a0<\/h3><h3><b>Important things to know<\/b><\/h3><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">HTB is a <\/span><b>tax refund<\/b><span style=\"font-weight: 400;\">, not a loan<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Incorrect declarations may result in a <\/span><b>clawback<\/b><span style=\"font-weight: 400;\"> of the refund<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your <\/span><b>final refund amount<\/b><span style=\"font-weight: 400;\"> may be lower than the estimate shown at application stage<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">HTB must be claimed <\/span><b>before your application expiry date<\/b><\/li><\/ul><h3>\u00a0<\/h3><h3><b>Where to apply or get help<\/b><\/h3><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Apply online via <\/span><b>myAccount<\/b><span style=\"font-weight: 400;\"> or <\/span><b>ROS<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Builders and solicitors must be <\/span><b>registered with Revenue<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Queries are handled through <\/span><b>MyEnquiries<\/b><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b4ddec3 e-flex e-con-boxed e-con e-parent\" data-id=\"b4ddec3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49870d8 elementor-widget__width-inherit elementor-widget-mobile__width-inherit animated-fast elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"49870d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Start Your Mortgage Journey <span style=\"color:#203094\">With The Mortgage Architect<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb58610 e-flex e-con-boxed e-con e-parent\" data-id=\"cb58610\" data-element_type=\"container\" 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elementor-element-824ddbf elementor-widget-mobile__width-inherit elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"824ddbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"512\" viewBox=\"0 0 48 48\" width=\"512\"><g id=\"_18_Wishlist\" data-name=\"18_Wishlist\"><path d=\"m15 46h-5a3 3 0 0 1 -3-3v-31a3 3 0 0 1 3-3h4a1 1 0 0 1 0 2h-4a1 1 0 0 0 -1 1v31a1 1 0 0 0 1 1h5a1 1 0 0 1 0 2z\"><\/path><path d=\"m38 46h-17a1 1 0 0 1 0-2h17a1 1 0 0 0 1-1v-21a1 1 0 0 1 2 0v21a3 3 0 0 1 -3 3z\"><\/path><path d=\"m40 17a1 1 0 0 1 -1-1v-4a1 1 0 0 0 -1-1h-4a1 1 0 0 1 0-2h4a3 3 0 0 1 3 3v4a1 1 0 0 1 -1 1z\"><\/path><path d=\"m30 14h-12a1 1 0 0 1 -1-1v-6a1 1 0 0 1 1-1h12a1 1 0 0 1 1 1v6a1 1 0 0 1 -1 1zm-11-2h10v-4h-10z\"><\/path><path d=\"m27 8h-6a1 1 0 0 1 -1-1v-1a4 4 0 0 1 8 0v1a1 1 0 0 1 -1 1zm-5-2h4a2 2 0 0 0 -4 0z\"><\/path><path d=\"m14.5 24.25a.994.994 0 0 1 -.669-.257l-2.5-2.25a1 1 0 0 1 1.338-1.486l1.8 1.615 4.7-4.7a1 1 0 0 1 1.414 1.414l-5.375 5.375a1 1 0 0 1 -.708.289z\"><\/path><path d=\"m36 22h-14a1 1 0 0 1 0-2h14a1 1 0 0 1 0 2z\"><\/path><path d=\"m14.5 32.25a.994.994 0 0 1 -.669-.257l-2.5-2.25a1 1 0 0 1 1.338-1.486l1.8 1.615 4.7-4.7a1 1 0 0 1 1.414 1.414l-5.375 5.375a1 1 0 0 1 -.708.289z\"><\/path><path d=\"m36 30h-14a1 1 0 0 1 0-2h14a1 1 0 0 1 0 2z\"><\/path><path d=\"m14.5 40.25a.994.994 0 0 1 -.669-.257l-2.5-2.25a1 1 0 1 1 1.338-1.486l1.8 1.615 4.7-4.7a1 1 0 0 1 1.414 1.414l-5.375 5.375a1 1 0 0 1 -.708.289z\"><\/path><path d=\"m36 38h-14a1 1 0 0 1 0-2h14a1 1 0 0 1 0 2z\"><\/path><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0731c9c elementor-widget elementor-widget-heading\" data-id=\"0731c9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Your Mortgage Journey<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6573b3 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"f6573b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Get the keys to your home in 10 simple steps.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d27bf1 elementor-mobile-align-center elementor-align-left elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"7d27bf1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/themortgagearchitect.ie\/your-mortgage-journey-pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b1e36da e-con-full e-flex e-con e-child\" data-id=\"b1e36da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-95ec3e2 e-con-full animated-fast e-flex elementor-invisible e-con e-child\" data-id=\"95ec3e2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:500}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f582e11 elementor-widget-mobile__width-inherit elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"f582e11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" height=\"512\" viewBox=\"0 0 609.62 609.62\" width=\"512\"><g><g id=\"Page-1_22_\"><g><path id=\"Path_41_\" clip-rule=\"evenodd\" d=\"m182.886 71.122h40.641c5.611 0 10.16-4.549 10.16-10.16s-4.549-10.16-10.16-10.16h-40.641c-5.611 0-10.16 4.549-10.16 10.16s4.549 10.16 10.16 10.16z\" fill-rule=\"evenodd\"><\/path><path id=\"Shape_63_\" d=\"m60.962 294.325v91.768c0 16.834 13.647 30.481 30.481 30.481h142.245c16.834 0 30.481-13.647 30.481-30.481v-91.748c5.003-.697 9.567-3.233 12.802-7.112l13.026-15.728c3.453-4.173 5.092-9.555 4.549-14.944-.542-5.389-3.22-10.337-7.435-13.738l-22.942-18.532v-51.564c0-11.223-9.098-20.321-20.321-20.321h-20.321c-11.223 0-20.321 9.098-20.321 20.321v2.276l-27.738-22.434c-7.539-6.05-18.269-6.05-25.807 0l-111.631 90.263c-4.219 3.398-6.9 8.346-7.445 13.736-.544 5.39 1.094 10.774 4.549 14.947l13.026 15.728c3.244 3.864 7.805 6.387 12.802 7.082zm81.283 101.928v-50.802c0-5.611 4.549-10.16 10.16-10.16h20.321c5.611 0 10.16 4.549 10.16 10.16v50.802zm91.443 0h-30.481v-50.802c0-16.834-13.647-30.481-30.481-30.481h-20.321c-16.834 0-30.481 13.647-30.481 30.481v50.802h-30.481c-5.611 0-10.16-4.549-10.16-10.16v-99.571l81.283-64.467 81.283 64.467v99.571c-.001 5.611-4.55 10.16-10.161 10.16zm-10.161-223.527h20.321v35.134l-20.321-16.429zm-60.84-4.359 111.642 90.193-13.005 15.769c-.069.042-.155.042-.224 0l-.152-.102-92.063-73.053c-3.7-2.939-8.939-2.939-12.639 0l-92.429 73.154-13.015-15.688z\"><\/path><path id=\"Path_40_\" clip-rule=\"evenodd\" d=\"m274.329 436.895h-223.527c-5.611 0-10.16 4.549-10.16 10.16s4.549 10.16 10.16 10.16h223.527c5.611 0 10.16-4.549 10.16-10.16 0-5.612-4.548-10.16-10.16-10.16z\" fill-rule=\"evenodd\"><\/path><path 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20.321-9.098 20.321-20.321v-20.321c-.001-11.223-9.099-20.321-20.321-20.321zm-20.321 40.642v-20.321h20.321v20.321z\"><\/path><path id=\"Shape_56_\" d=\"m467.376 426.734h-20.321c-11.223 0-20.321 9.098-20.321 20.321v20.321c0 11.223 9.098 20.321 20.321 20.321h20.321c11.223 0 20.321-9.098 20.321-20.321v-20.321c-.001-11.223-9.099-20.321-20.321-20.321zm-20.321 40.642v-20.321h20.321v20.321z\"><\/path><path id=\"Shape_55_\" d=\"m467.376 508.017h-20.321c-11.223 0-20.321 9.098-20.321 20.321v20.321c0 11.223 9.098 20.321 20.321 20.321h20.321c11.223 0 20.321-9.098 20.321-20.321v-20.321c-.001-11.223-9.099-20.321-20.321-20.321zm-20.321 40.641v-20.321h20.321v20.321z\"><\/path><path id=\"Shape_54_\" d=\"m548.658 345.451h-20.321c-11.223 0-20.321 9.098-20.321 20.321v20.321c0 11.223 9.098 20.321 20.321 20.321h20.321c11.223 0 20.321-9.098 20.321-20.321v-20.321c0-11.223-9.098-20.321-20.321-20.321zm-20.32 40.642v-20.321h20.321v20.321z\"><\/path><path id=\"Shape_53_\" d=\"m548.658 426.734h-20.321c-11.223 0-20.321 9.098-20.321 20.321v101.603c0 11.223 9.098 20.321 20.321 20.321h20.321c11.223 0 20.321-9.098 20.321-20.321v-101.603c0-11.223-9.098-20.321-20.321-20.321zm-20.32 121.924v-101.603h20.321v101.603z\"><\/path><\/g><\/g><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9950d2 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"b9950d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Mortgage Calculator<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77ed757 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"77ed757\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Use our mortgage repayment calculator to estimate your monthly repayments.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69fd458 elementor-mobile-align-center elementor-align-left elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"69fd458\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/themortgagearchitect.ie\/mortgage-repayment-calculator\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Estimate Payments<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8060ff1 e-con-full animated-fast e-flex elementor-invisible e-con e-child\" data-id=\"8060ff1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:500}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a40170e elementor-widget-mobile__width-inherit elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"a40170e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 64 64\" width=\"512\" height=\"512\"><g id=\"Calculator\"><path d=\"M49,62H15a7.008,7.008,0,0,1-7-7V9a7.008,7.008,0,0,1,7-7H49a7.008,7.008,0,0,1,7,7V55A7.008,7.008,0,0,1,49,62ZM15,4a5.006,5.006,0,0,0-5,5V55a5.006,5.006,0,0,0,5,5H49a5.006,5.006,0,0,0,5-5V9a5.006,5.006,0,0,0-5-5Z\"><\/path><path d=\"M35,58H29a3,3,0,0,1-3-3V51a3,3,0,0,1,3-3h6a3,3,0,0,1,3,3v4A3,3,0,0,1,35,58Zm-6-8a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1h6a1,1,0,0,0,1-1V51a1,1,0,0,0-1-1Z\"><\/path><path d=\"M21,58H15a3,3,0,0,1-3-3V51a3,3,0,0,1,3-3h6a3,3,0,0,1,3,3v4A3,3,0,0,1,21,58Zm-6-8a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1h6a1,1,0,0,0,1-1V51a1,1,0,0,0-1-1Z\"><\/path><path d=\"M49,58H43a3,3,0,0,1-3-3V39a3,3,0,0,1,3-3h6a3,3,0,0,1,3,3V55A3,3,0,0,1,49,58ZM43,38a1,1,0,0,0-1,1V55a1,1,0,0,0,1,1h6a1,1,0,0,0,1-1V39a1,1,0,0,0-1-1Z\"><\/path><path d=\"M35,46H29a3,3,0,0,1-3-3V39a3,3,0,0,1,3-3h6a3,3,0,0,1,3,3v4A3,3,0,0,1,35,46Zm-6-8a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1h6a1,1,0,0,0,1-1V39a1,1,0,0,0-1-1Z\"><\/path><path d=\"M21,46H15a3,3,0,0,1-3-3V39a3,3,0,0,1,3-3h6a3,3,0,0,1,3,3v4A3,3,0,0,1,21,46Zm-6-8a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1h6a1,1,0,0,0,1-1V39a1,1,0,0,0-1-1Z\"><\/path><path d=\"M35,34H29a3,3,0,0,1-3-3V27a3,3,0,0,1,3-3h6a3,3,0,0,1,3,3v4A3,3,0,0,1,35,34Zm-6-8a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1h6a1,1,0,0,0,1-1V27a1,1,0,0,0-1-1Z\"><\/path><path d=\"M21,34H15a3,3,0,0,1-3-3V27a3,3,0,0,1,3-3h6a3,3,0,0,1,3,3v4A3,3,0,0,1,21,34Zm-6-8a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1h6a1,1,0,0,0,1-1V27a1,1,0,0,0-1-1Z\"><\/path><path d=\"M49,34H43a3,3,0,0,1-3-3V27a3,3,0,0,1,3-3h6a3,3,0,0,1,3,3v4A3,3,0,0,1,49,34Zm-6-8a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1h6a1,1,0,0,0,1-1V27a1,1,0,0,0-1-1Z\"><\/path><path d=\"M49,20H15a3,3,0,0,1-3-3V9a3,3,0,0,1,3-3H49a3,3,0,0,1,3,3v8A3,3,0,0,1,49,20ZM15,8a1,1,0,0,0-1,1v8a1,1,0,0,0,1,1H49a1,1,0,0,0,1-1V9a1,1,0,0,0-1-1Z\"><\/path><path d=\"M46,17a3,3,0,0,1-3-3V12a3,3,0,0,1,6,0v2A3,3,0,0,1,46,17Zm0-6a1,1,0,0,0-1,1v2a1,1,0,0,0,2,0V12A1,1,0,0,0,46,11Z\"><\/path><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a97f7b6 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"a97f7b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Borrowing Calculator<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdd077f elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"bdd077f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Find out how much you could borrow for your mortgage.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51011a9 elementor-mobile-align-center elementor-align-left elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"51011a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/themortgagearchitect.ie\/how-much-can-i-borrow-for-a-mortgage\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn More<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63a2011 animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"63a2011\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:600}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-071be58 elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"071be58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Request A Callback<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13c8bf1 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"13c8bf1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Speak to a qualified mortgage advisor today.<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5121078 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"5121078\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Request A Callback\" aria-label=\"Request A Callback\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"14666\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"5121078\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Help To Buy Scheme Ireland l How It Works\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"14666\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-50 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tFirst Name\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-xs  elementor-field-textual\" placeholder=\"Your First Name\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_2aa2ab7 elementor-col-50 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_2aa2ab7\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tLast Name\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_2aa2ab7]\" id=\"form-field-field_2aa2ab7\" class=\"elementor-field elementor-size-xs  elementor-field-textual\" placeholder=\"Your Last Name\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tYour Phone\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-xs  elementor-field-textual\" placeholder=\"Your Phone\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-xs  elementor-field-textual\" placeholder=\"Email\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-select elementor-field-group elementor-column elementor-field-group-field_4a2d17e elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_4a2d17e\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tMortgage Type\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field elementor-select-wrapper remove-before \">\n\t\t\t<div class=\"select-caret-down-wrapper\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-caret-down\" viewBox=\"0 0 571.4 571.4\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M571 393Q571 407 561 418L311 668Q300 679 286 679T261 668L11 418Q0 407 0 393T11 368 36 357H536Q550 357 561 368T571 393Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t<select name=\"form_fields[field_4a2d17e]\" id=\"form-field-field_4a2d17e\" class=\"elementor-field-textual elementor-size-xs\" required=\"required\">\n\t\t\t\t\t\t\t\t\t<option value=\"First Time Buyer Mortgage\">First Time Buyer Mortgage<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Moving Home Mortgage\">Moving Home Mortgage<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Switching Mortgage \">Switching Mortgage <\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Self-Build Mortgage \">Self-Build Mortgage <\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Renovation Mortgage \">Renovation Mortgage <\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Public Sector Mortgage\">Public Sector Mortgage<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"\"><\/option>\n\t\t\t\t\t\t\t<\/select>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tYour Message\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-xs\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"3\" placeholder=\"Tell us how we can help (e.g., first-time buyer, switching, etc.)\" required=\"required\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-checkbox elementor-field-group elementor-column elementor-field-group-field_1f49908 elementor-col-100\">\n\t\t\t\t\t<div class=\"elementor-field-subgroup  \"><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"I consent to The Mortgage Architect using my details to respond to my enquiry, as explained in our Privacy Policy.\" id=\"form-field-field_1f49908-0\" name=\"form_fields[field_1f49908]\"> <label for=\"form-field-field_1f49908-0\">I consent to The Mortgage Architect using my details to respond to my enquiry, as explained in our Privacy Policy.<\/label><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-md elementor-animation-grow\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request a Callback<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What is the Help to Buy Scheme? The Help to Buy (HTB) Scheme is a Government incentive that helps first-time buyers fund the deposit required to buy or self-build a new home. It works by refunding some of the Income Tax and DIRT you have paid in Ireland over the previous four tax years, subject [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-14666","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/themortgagearchitect.ie\/wordpress\/wp-json\/wp\/v2\/pages\/14666","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/themortgagearchitect.ie\/wordpress\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/themortgagearchitect.ie\/wordpress\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/themortgagearchitect.ie\/wordpress\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/themortgagearchitect.ie\/wordpress\/wp-json\/wp\/v2\/comments?post=14666"}],"version-history":[{"count":13,"href":"https:\/\/themortgagearchitect.ie\/wordpress\/wp-json\/wp\/v2\/pages\/14666\/revisions"}],"predecessor-version":[{"id":14858,"href":"https:\/\/themortgagearchitect.ie\/wordpress\/wp-json\/wp\/v2\/pages\/14666\/revisions\/14858"}],"wp:attachment":[{"href":"https:\/\/themortgagearchitect.ie\/wordpress\/wp-json\/wp\/v2\/media?parent=14666"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}