In short
If you have a mortgage on your own home and the interest you paid went up compared with 2022, you may be able to claim a tax credit of 20% of the increase, up to €1,250 per property per year. Revenue's published tables show it for 2024, 2025 and 2026. Many homeowners haven't claimed it.
Who may qualify
- The mortgage is on your main home in Ireland.
- The outstanding balance on 31 December 2022 was between €80,000 and €500,000.
- The interest you paid in the year was higher than in 2022.
- You're up to date with Local Property Tax.
How it's worked out
| Interest paid in 2022 | €6,000 |
| Interest paid in 2024 | €9,500 |
| Increase | €3,500 |
| Credit at 20% | €700 |
An illustration only. The credit can't exceed €1,250 a year, or the tax you paid.
How to claim
Claim it in the income tax return for the year, in myAccount. You'll need your mortgage account number and the interest figures from your lender. Many lenders provide a yearly statement showing the interest paid.
Has it been extended?
Revenue's tables show a maximum credit of €1,250 for 2024, 2025 and 2026. Budget 2027 didn't announce an extension for 2027. See all credits by year.
Get your tax back
Missed it? You can still get the tax back as a tax refund for 2023, 2024 and 2025. We check every year and claim it for you: pay nothing upfront. Check my tax refund.
Sources
Revenue: Mortgage Interest Tax Credit, on revenue.ie. Add the exact page link and confirm the conditions and years before publishing ◆.
Questions for Revenue directly? Call the PAYE helpline on 01 738 3636 (Monday to Friday, 9.30am to 1.30pm), or see all Revenue contact numbers.
General information, not advice on your own situation. TaxMind checks your record before filing anything.
