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Know Your Rights: Local Authority home loans

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Question: I want to buy a house, but can’t get a mortgage with the bank. What other options do I have for finance?

Answer: You may be able to get a local authority home loan to buy a home if you’ve been unable to get the funds you need from a bank.

The Local Authority Home Loan is a Government-backed mortgage with reduced interest rates. The interest rates are fixed for the full term of the loan, so you have the same repayments for the lifetime of the loan. You can use the loan for new or second-hand properties, or to build a home.

How do I qualify for the loan?

To get this loan, your income must be below a certain level and you must have been in continuous employment for a set amount of time. You must also meet some other criteria.

You must:

Be a first-time buyer or ‘fresh start’ applicant
Be aged between 18 and 70
Have proof that you haven’t been able to get the mortgage funding you need from two banks or building societies
Have a deposit
Have a satisfactory credit rating
Live in the property once you have bought or built it

What is the maximum market value of a property for this loan?

The home you are buying or building must be below a certain market value (price). The maximum market value of the property depends on where the property is located.

€320,000 in Cork, Dublin, Galway, Kildare, Louth, Meath and Wicklow
€250,000 in the rest of the country

You can borrow up to 90% of the market value of the property and you may be able to get the Help to Buy incentive to help with your deposit.

What are the interest rates?

The interest rates are fixed for the full term of the mortgage and are currently:

2.495% for up to 25 years
2.745% for up to 30 years

You apply to your local authority for the Local Authority Home Loan.

Read more about the Local Authority Home Loans on citizensinformation.ie or phone Kerry Citizens Information Service 0818 07 7860 (Monday to Friday, 10am to 4pm), the national phone service on 0818 07 4000 (Monday to Friday, 9am to 8pm), or log on to www.citizensinformation.ie.

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Killarney National Park Autumn Talks up and running

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Killarney National Park Autumn Talks up and running


Following a successful opening presentation by award-winning photographer James Crombie on the mesmerising starling murmuration’s of Lough Ennell, the 38th annual Killarney National Park Autumn Talks Series continues next week with a focus on Irish biodiversity.


The lineup for Thursday, October 15, features guest speaker Professor Grace McCormack of University College Galway, who will present a talk on “The Importance of Native Honeybees and Other Pollinators and Current Threats to Their Survival”.
Prof. McCormack’s address will explore the vital role native bees play in local ecosystems, the environmental pressures threatening their populations, and the conservation efforts required to ensure their survival.
Last night’s (October 8) opening talk, saw Inpho Sports Photography staff photographer James Crombie kick off the six-week series.
Crombie, named Irish Press Photographer of the Year in 2021, 2022, and 2025, shared the story behind his famous images documenting Westmeath’s starling displays, which reached millions of viewers worldwide.
The Autumn Talks Series runs weekly for six weeks in the Killarney House Auditorium (V93 HE3C) at 8.00pm. Admission is free, though seating is limited. All presentations are also live streamed via the Killarney National Park Facebook page.


MESMERISING NATURE: Multi-award-winning photographer James Crombie, who opened the 38th annual Killarney National Park Autumn Talks Series with a presentation on his famous starling murmuration photographs.

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Missing Killarney chef located dead in UK

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Missing Killarney chef located dead in UK


A 34-year search for missing former Killarney chef Patrick (Patsy) O’Sullivan ended following confirmation that he was located deceased in the UK.


Patsy was 35 years old when last seen by relatives in Lombardstown, County Cork, during the Easter Bank Holiday weekend in April 1992. At the time of his disappearance, he was working as a chef in Waterville, having previously worked across several Killarney hotels. He was scheduled to attend a family Christening shortly after returning from Kerry, but never arrived.
Despite decades of public appeals, including features on RTÉ’s Crimecall, his location remained unknown.
Investigations revealed that Patsy moved to the UK and changed his name to Patrick Aldridge in 1995, adopting the surname of his partner who passed away in 2022. He passed away from natural causes on July 5, 2024, living just over an hour away from his brother who also passed away in the UK last year.
Speaking on Cork’s 96FM, his brother Jerry O’Sullivan confirmed the family finally received closure following renewed efforts led by Garda PJ Roche and investigating officers. He noted that while unanswered questions remain about why Patsy started over fresh, the family is grateful for the work that brought final answers.
An Garda Síochána confirmed the missing person case is closed and thanked the public for their assistance over the years.


IN MEMORY: Patrick (Patsy) O’Sullivan, a native of North Cork who worked as a chef in Killarney and Waterville, went missing in April 1992 and was located deceased in the UK. Photo: Garda Press Office.

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