MortgageWise.ie

What changed, and when

Checked 21 Oct 2026the official record, checked daily.

Every dated change that touches someone buying, selling or switching, newest first, with its source and a line on which figure in the rules it changes. One section per month.

Changes, October 2026

  • 21 October 2026 · Official record

    Site launched with the position at 21 October 2026

    Every rule in the rules config was read from its source on this date: the Central Bank measures as amended in April 2026, Revenue's Help to Buy and stamp duty pages, the First Home Scheme and Local Authority Home Loan terms, the Local Property Tax bands, and the Budget 2027 announcements marked as announced.

    Central Bank of Ireland: the mortgage measures

  • 7 October 2026 · Official record

    Budget 2027: CGT to 31%, Help to Buy to €35,000, rent credit to €1,150

    Announced on Budget day and entered in the rules config as announced figures with their effective dates; the Finance Act 2026 will confirm them.

    Changes: cgt.versions (31% from 2026-10-07, announced); helpToBuy.versions (€35,000 from 2027-01-01, announced); rentTaxCredit.versions (2027, announced)

    gov.ie: Budget 2027

Changes, April 2026

  • 8 April 2026 · Official record

    Central Bank takes bridging loans out of the loan-to-income limit

    A bridging loan on a principal home no longer counts towards the 3.5 times cap for a mover.

    Changes: cbiMeasures.versions (bridgingExemptFromLti true from 2026-04-08)

    Central Bank of Ireland: press release, 8 April 2026

  • 1 April 2026 · Official record

    Local Authority Home Loan: single income limit to €80,000, new county ceilings

    The single applicant limit rose from €70,000; the joint limit stays at €85,000; the county price ceilings were revised.

    Changes: localAuthorityHomeLoan.versions (2026-04-01); counties lahlCeiling

    Local Authority Home Loan

What each change means and what is still only announced: the 2026 rule-change tracker.

Information, not advice. Entries are added by a daily routine from allow-listed official, press, organisation and lender sources, and a human reviews anything that changes a figure in the rules. Last checked 2026-10-21. MortgageWise is an independent site, not connected with the Central Bank of Ireland, Revenue, the Housing Agency, any local authority, any lender or any Government department. It is not a lender, a mortgage broker, a credit or insurance intermediary, a solicitor, a tax adviser or a financial adviser. It covers the Republic of Ireland only. Before you sign anything, talk to a solicitor and, for advice on a mortgage, to an advisor regulated by the Central Bank of Ireland.