Mortgage Interest Tax Credit

‍ Qualifying conditions:

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Your Mortgage loan

• You must have had an outstanding mortgage balance of between €80,000 and €500,000 on 31 December 2022

• Your loan must be with a qualifying lender. A qualifying lender is a lender listed as a credit information provider by the Central Bank of Ireland.

• You must have paid interest on the loan in 2022 and 2023

• The interest on the loan must have increased from 2022 to 2023

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Your property

• The property must be in the state

• You must comply with your Local Property Tax obligations and any planning permission requirements

• The property should be your sole or main residence, or a residential property you, your spouse or civil partner use so you can attend work

‍How do I claim the mortgage interest tax credit?

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• You will be able to claim this tax credit by making an income tax return for 2023 using Revenue’s MyAccount or ROS services.

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You will need to submit the following documents to Revenue when making your 2023 tax return:

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• Your certificate of mortgage interest for 2022

• Your certificate of mortgage interest for 2023

• Confirmation of your mortgage balance at 31 December 2022

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_{Information found at: Mortgage interest tax credit (citizensinformation.ie)}