Irish Calculators
Updated for 2026
Estimate only
FHS Service Charge Calculator Ireland
Estimate possible service charges from year 6 if your FHS equity share remains in place.
Estimated total service charges
€0
Over selected years
Final-year annual charge
€0
Year 12 estimate
Average monthly in final year
€0
Annual ÷ 12 estimate
Final-year rate used
0.00%
Based on the year selected
| Period included | Rate | Annual charge | Years counted | Subtotal |
|---|---|---|---|---|
| Enter your details and calculate. | ||||
Planning estimate
This estimates possible service charges only. It does not calculate the redemption amount required to buy back the First Home Scheme equity share.
Service charge bands used
This tool is for planning only. It estimates service charges using the published year bands. It does not estimate the amount needed to buy back the FHS equity share.
| Scheme year | Rate used | Planning note |
|---|---|---|
| Years 1–5 | 0.00% | No service charge in the first five years. |
| Years 6–15 | 1.75% | The first paid service charge period. |
| Years 16–29 | 2.15% | The annual charge increases if the equity share remains in place. |
| Year 30+ | 2.85% | The highest published band. |
Important notes before relying on the result
- Service charges are separate from buying back or redeeming the FHS equity share.
- If you make a partial redemption, the remaining FHS equity percentage should reduce, which can reduce future service charges.
- Actual service charges can be applied monthly in arrears and may be calculated on an actual-day basis.
- Always check the official FHS terms and your Customer Contract before making financial decisions.