Check your eligibility and calculate your HTB relief for a new build or self-build.
| Item | Value |
|---|---|
| Purchase Price | -- |
| Mortgage Amount | -- |
| Mortgage Ratio | -- |
| 10% of Price | -- |
| Maximum Relief | EUR 30,000 |
| Your Relief | -- |
Our guides cover stamp duty, mortgage approval, and the full buying process.
See All ReportsThis calculator uses 2026 tax year rates verified against Revenue.ie. It provides estimates for general planning purposes. Individual circumstances may vary. For a personalised analysis, consider our paid reports.
The Help to Buy (HTB) incentive is a tax refund for first-time buyers purchasing or self-building a new home. It can be worth up to EUR 30,000, making it one of the most valuable tax reliefs in Ireland.
Mortgage: EUR 304,000 (80% LTV). HTB relief: 10% of EUR 380,000 = EUR 38,000, capped at EUR 30,000.
You receive EUR 30,000 towards your deposit, reducing cash needed from EUR 76,000 to EUR 46,000.
Note: HTB is claimed through Revenue's myAccount. Check Revenue.ie for current eligibility rules.