1. Run the check above and read the documents checklist. Every adult needs ID, proof of address and residency, proof of income (Employment Detail Summary, three payslips, Statement of Liability), a bank statement, an employer reference and a landlord reference, all dated within the last six weeks where relevant.
  2. Go to Waterford City and County Council’s application page (button on the right). Applications are only accepted through the provider’s own portal, never by email or phone.
  3. Submit one application per household for this scheme, for a home size that matches your household. Two applications means disqualification.
  4. Eligible applications are ranked by date and time received, with household-size priority for three- and four-bed homes. Have mortgage approval in principle ready.