Reconstruction / Home Improvement Loan
A reconstruction / home improvement loan can be issued for essential improvements to a person’s sole residence, where the works carried out will make significant improvement to the living conditions of the property. Applicants must own the dwelling to which the works will apply. In order to qualify, you must also meet an income eligibility test, which takes into account the principal earners income together with any second earner’s income in the household. The maximum loan available is €38,000 (€50,000 for offshore islands). This loan is repayable over or 15 years at a variable interest rate.
Note: Kerry County Council do not do consolidation loans or top-ups.
Note: The reconstruction / home improvement loan is not generally available to those solely in receipt of unemployment/social welfare benefits.
Mortgage arrears on Council Loans
It is Kerry Council’s policy that every effort is made to assist borrowers who encounter difficulties in meeting their Loan repayments. If you are experiencing difficulties with repayments a meeting can be arranged with a member of the Loans Department to discuss your loan.
The process that we use to deal with Loan arrears is known as the Mortgage Arrears Resolution Process (M.A.R.P). Further information can be found at
Mortgage Arrears Resolution Process Borrower Information Booklet
Contact information for Loans Unit:
Tel: 066 7183910