Written Answers Nos. 91-112
91. Deputy Willie O'Dea asked the Minister for Housing, Local Government and Heritage his views on the publication of the 'ESRI Population Projections, the Flow of New Households and Structural Housing Demand' paper; and if he will make a statement on the matter. [36887/24]
View answer95. Deputy Richard Boyd Barrett asked the Minister for Housing, Local Government and Heritage if, in the aftermath of the Housing Commission report, he agrees that housing output should increase to 60,000 new homes per year to address future housing need and the current housing deficit; whether he agrees, given the chronic deficit of social and affordable housing, that at least 50% of this output should be social and affordable; and if he will make a statement on the matter. [37004/24]
View answerI propose to take Questions Nos. 91 and 95 together.
The recently published research by the ESRI on population growth and structural housing demand to 2040 provides a credible evidence-base for the development of revised housing targets by my department. Recognising the difficulty in accurately estimating population growth and future housing demand over the longer-term, the ESRI research presents 12 scenarios of housing demand. Each allows for alternative rates of increase in population growth, household size and stock obsolescence, key determinants of the quantum of housing required.
Taking the average of the 12 ESRI scenarios, the research suggests some 42,000 new homes would be required over the next decade to meet new household formation alone. This means, having regard also to pent-up demand, an average of at least 50,000 to 60,000 new homes would be needed per annum over the period.
I believe such an increase, a further step-change in the significant uplift in delivery in recent years, would go a long way to meeting existing and future demand.
While work is advanced, it is still too early to confirm what the final targets will be or their breakdown across tenures. That said, I believe social and affordable housing delivery should continue to comprise a very significant proportion of overall delivery. To this end, and having full regard to the Housing Commission's recommendations vis-à-vis the quantum of social and cost rental housing needed, I expect a significant increase in both to be reflected in the revised targets published later in the Autumn.
93. Deputy James O'Connor asked the Minister for Housing, Local Government and Heritage if he will consider the further extension of the temporary waiver of development contributions beyond December 2024; the number of houses have been built since the start of this scheme; and if he will make a statement on the matter. [37034/24]
View answerOn 25 April 2023, the Government approved additional measures under the Housing for All Action Plan to incentivise the activation of increased housing supply and help reduce housing construction costs, including the introduction of temporary time-limited arrangements for the waiving of local authority “section 48” development contributions and the refunding of Uisce Éireann water and waste water connection charges.
The schemes originally applied for 1 year to all permitted residential development that commenced on site between 25 April 2023 (the date of the Government Decision approving the measure) and 24 April 2024, and is completed not later than 31 December 2025. On 23 April 2024, the Government approved an extension for the waiving of local authority “section 48” development contributions in respect of residential development commenced not later than 31 December 2024 and the refunding of Uisce Éireann water and waste water connection charges in respect of residential development commenced not later than 30 September 2024.
The date for the completion of development works on qualifying houses under the schemes has been extended from 31 December 2025 to 31 December 2026.
It is not proposed to extend the terms or timeline of the scheme beyond those as approved by the Government in its Decision of 23 April 2024.
To date, 33,960 residential units have availed of the Scheme.
94. Deputy Bernard J. Durkan asked the Minister for Housing, Local Government and Heritage the extent to which he continues to investigate the manner whereby houses continue to be snapped up by investors, thus narrowing the market for first-time buyers and those in need of affordable houses/local authority houses; the degree to which he continues to monitor the number of people still on local authority waiting lists having paid rent to investors, in many cases for more than twenty years, and who now find themselves unable to borrow by themselves and who do not qualify for local authority housing; if an urgent assessment of such cases can be undertaken without delay with a view to resolution; and if he will make a statement on the matter. [36584/24]
View answerMy Department monitors multiple aspects of the housing market on an ongoing basis, including the quantum of housing purchased by household and non-household purchasers.
Suggestions institutional investors are 'snapping-up' houses is not supported by the data, sectoral commentary, or from feedback provided by the real estate sector to my Department. Indeed, available data and sectoral commentary suggests the opposite is the case, and the number of houses purchased by institutional investors is declining.
Data published recently by the CSO (data.cso.ie/table/HPA10) suggest the quantum and share of non-household purchases by institutional investors decreased year-on-year in 2023. Moreover, the CSO data also suggest that State bodies accounted for the majority of homes purchased by non-households last year, with many of these purchased for social and affordable housing.
In this regard, I am satisfied the measures introduced in May 2021 to prevent inappropriate purchase of family homes by investors, including a higher 10% stamp duty on the cumulative purchase of 10 or more residential properties (excluding apartments) and planning measures to prevent the bulk-purchase of 'own-door' houses and duplexes, are having the desired effect. Regarding the latter measure, between May 2021 and June 2024, an estimated 50,000 or so homes have received planning permission with conditions restricting bulk-purchase or multiple sales to a single purchaser.
Data also shows first-time buyer activity continuing to strengthen, with the number of first-time buyers in the year to June 2024, some 28% higher than the same period in 2021, and increasing as a proportion of all household buyers from 32% to 35% over the same period. At the same time, the most recent mortgage approval and drawdown data show mortgage activity at its highest level since before the financial crash.
I am confident such robust first-time buyer activity is supported by the measures introduced by the Government to help those aspiring to purchase their own home to do so, including the First Home Scheme, with more than 4,800 approvals issued since the scheme launched in July 2022 and to which Government committed an additional €100 million in Exchequer funding last week.
My Department does not collect data on the number of households on the social housing waiting list who may be renting from an institutional landlord or who have done so in the past.
97. Deputy Ruairí Ó Murchú asked the Minister for Housing, Local Government and Heritage if he will provide an update on plans for affordable housing schemes in County Louth; if there has been a review of the affordability criteria for this scheme; and if he will make a statement on the matter. [36969/24]
View answerFunding approvals are now in place for the delivery of over 4,300 affordable purchase and cost rental homes by 21 local authorities with the support of the Affordable Housing Fund. The legislative framework and arrangements in place to support local authority affordable purchase schemes are proving effective.
Louth County Council has already delivered their first local authority led affordable purchase scheme. My Department, in conjunction with the Housing Delivery Co-ordination Office of the Local Government Management Association and the Housing Agency, is continuing to advise and support Louth in developing further affordable housing schemes that are well-aligned with the local housing market context and that deliver on Louth's Housing Delivery Action Plan and affordable delivery targets.
Affordable purchase is also being supported in Louth through the First Home Scheme, with 180 approvals provided in respect of homes in Louth to Q1 2024. Louth has also seen its first cost rental homes delivered and the Vacant Property Refurbishment grant is also available to enable bringing homes back into use.
Affordable Housing delivery reports based on quarterly returns received from local authorities are published on the statistics page of my Department’s website at the following link: www.gov.ie/en/collection/6060e-overall-social-housing-provision/?#affordable-housing-delivery.
98. Deputy Eoin Ó Broin asked the Minister for Housing, Local Government and Heritage to provide an update on the delivery of cost rental homes in Oscar Traynor Road and O'Devaney Gardens. [37054/24]
View answerCost Rental housing represents a key element of affordable housing delivery under the Government's Housing For All strategy, which is being achieved through collaboration with a range of delivery partners including Local Authorities, Approved Housing Bodies, and the Land Development Agency.
In relation to the O'Devaney Gardens and Oscar Traynor Road, my Department has approved funding for the acquisition of cost rental homes under our Cost Rental Equity Loan (CREL) scheme, which can fund up to 55% of capital costs through a combination of long-term, low-interest loan financing and an equity investment in the properties.
In both cases, the provision of Cost Rental homes on these sites will contribute to sustainable mixed-tenure communities in these new developments, alongside social housing and some affordable purchase homes also supported by my Department.
Since the delivery partners involved in these Cost Rental projects are still finalising the delivery arrangements for these homes, it is not appropriate to provide further details at this time. However, full details of the Cost Rental homes will be announced in due course, closer to the time of delivery.
99. Deputy Pauline Tully asked the Minister for Housing, Local Government and Heritage the actions he has taken to ensure the delivery of housing in Cavan and Monaghan; and if he will make a statement on the matter. [36993/24]
View answerHousing for All, the most ambitious housing plan in the history of our State, was published in September 2021. The Plan contains a suite of actions that has, and continues to increase the provision of housing through accelerating supply and increasing the affordability of homes for our citizens, including for those in Cavan and Monaghan.Reflecting the importance placed on Housing for All, a record €5.1bn capital investment in housing was announced in Budget 2024. This is made up of €2.6bn in Exchequer funding, €978m in Land Development Agency (LDA) funding and €1.5bn in Housing Finance Agency (HFA) funding. This capital funding being provided for housing in 2024 is the highest ever in the history of the State.The Plan commits to reforming the planning system to enable house building at scale; encouraging innovation in construction to improve the pace and efficiency of housing building; increasing the construction sector’s capacity to build housing at scale; and tackling vacancy and dereliction.One key action in Housing for All committed local authorities to publish a Housing Delivery Action Plan. These Plans detail the social and affordable housing needs in their areas over the period 2022-2026, in line with targets set in Housing for All. Each local authority’s plan, including Cavan and Monaghan’s, can be accessed on the local authority’s official website. Housing for All is working. Supply is increasing. Data in relation to new dwelling completions is published by the CSO on a quarterly basis. In Cavan, 679 homes have completed between Q4 2021 and Q2 2024 inclusive, and 768 homes were completed in Monaghan during that same period. In relation to housing commencements in Cavan and Monaghan, building began on 828 and 752 homes respectively between September 2021 and July 2024 inclusive, with well over 60% of those commencing since the start of 2023. My Department publishes comprehensive programme-level statistics on social and affordable housing delivery activity by local authorities and delivery partners in each local authority area. Data for the years 2022 and 2023 and for the first quarter of 2024 is published on the statistics page of my Department’s website at the following link: www.gov.ie/en/collection/6060e-overall-social-housing-provision/?#affordable-housing-delivery.Housing for All is having a sustained, positive impact across the country. The Plan will continue to deliver nationally for years to come including for the people of Cavan and Monaghan.
101. Deputy Richard Boyd Barrett asked the Minister for Housing, Local Government and Heritage if he will take measures to accelerate the processing time of housing applications and disability or medical information forms; if he will address the issue of frequent refusals of medical priority and need, despite overwhelming medical and welfare evidence to the contrary that priority is required and that particular medical needs should be accommodated; and if he will make a statement on the matter. [37001/24]
View answerApplications for social housing support are assessed by the relevant local authority, in accordance with the eligibility and need criteria set down in section 20 of the Housing (Miscellaneous Provisions) Act 2009 and the associated Social Housing Assessment Regulations 2011, as amended. Decisions on the qualification of households for support, the awarding of medical priority, the most appropriate form of support and the allocation of that support are a matter solely for the respective local authorities.
Regulation 12 of the 2011 Regulations prescribes the timescales for the processing of applications and provides that, subject to conditions, a local authority shall deal with an application within 12 weeks. Local authorities will prioritise housing needs assessments for those in greatest need and ensure that such applications are dealt with within time-frames that are significantly shorter that the statutory maximum.
If the local authority requires additional information from the applicant, it should request that information as early into the assessment process as possible. In accordance with Regulations the applicant has four weeks from the time of the request to provide the requested information/documentation to the local authority.Where it is not possible for the applicant to provide any information/documentation requested within the four-week period (e.g. where documentation is being sought from a third party that has been delayed), a local authority may, if it feels it appropriate, grant an extension to the applicant to provide the requested information/documentation. Local authorities then have six weeks after receipt of additional information requested to process the application. In any event, the processing of a valid application by a local authority shall not exceed 14 weeks after the initial 12 weeks from the date of application has expired.
My Department issued National Guidelines for the Assessment and Allocation Process for Social Housing Provision for People with a Disability in 2017 to assist in streamlining the management of the housing assessment and allocation process for disabled people, including those living in the community and those transitioning to the community from residential care. These guidelines are intended to support housing authorities in carrying out assessments of housing need for disabled people within a planned and structured framework to ensure that their needs can be assessed as effectively as possible in a timely manner.
The Guidelines are available at www.gov.ie/pdf/?file=https://assets.gov.ie/120722/35f5a5e6-afdf-445d-bb5e-c5f61cf529de.pdf#page=null.
102. Deputy Aindrias Moynihan asked the Minister for Housing, Local Government and Heritage to detail the engagement to date from Cork County Council with his Department in advancing a project (details supplied); and if he will make a statement on the matter. [37018/24]
View answerThere are a number of housing estates across the country that rely on developer provided infrastructure for their water services. These estates have not been taken-in-charge and their water services are not connected to the public (Uisce Éireann) network. The water services infrastructure, provided by the developer of such estates, is more commonly called DPI.
My Departments’ Multi-annual Developer Provided Water Services Infrastructure Resolution Programme (DPI Programme) has provided funding to assist in progressively resolving issues with DPI in a number of locations across the country.
I can confirm that Cork County Council applied for funding under the DPI Programme for a project to resolve an issue in the area named in the details supplied.
In June 2023 I approved funding of move than €3.3 million for this project. It is now a matter for Cork County Council to complete the project.
103. Deputy Eoin Ó Broin asked the Minister for Housing, Local Government and Heritage to provide an update on the interim fire safety defects scheme for multi-unit developments. [37053/24]
View answerThe Interim Remediation Scheme for the funding of eligible emergency fire safety defect works in apartments and duplexes has been in place since December 2023. The Scheme, which is being administered by the Housing Agency on a nationwide basis, is open to applications from apartment Owners’ Management Companies (OMC) via the Housing Agency’s website.
In the period since the Scheme’s launch, up to and including 31 August 2024,
• applications from 171 OMCs have been received and validated,
• representing a total of 17,206 residential units,
• spread across 27 local authority areas, with
• 78% of residential units located in the Dublin region.
To support the implementation and progress of the Scheme, Letters of Approval to recruit 40.5 additional fire services staff have issued to ten local authorities.
In April of this year, four appropriate “pathfinder” projects were identified from applications within the Scheme. These pathfinder projects have allowed the mapping of the application and remediation process into simple steps, to identify pinch points and their solutions and to provide consistency across submissions by OMCs and related Local Authority Fire Services (LAFS) workings.
Three pathfinders are situated in the Dublin area involving three local authorities, and one in Kildare. These projects vary in size and complexity, providing valuable insights for both the interim and future full remediation schemes, across resource identification, standardisation of documents and process efficiencies.
Intense engagement has taken place over the summer period between the Competent Professionals, acting on behalf of the four OMCs and LAFS. Three OMCs have completed their engagement with fire services and will receive Grant Agreements in the coming weeks.
Because of the intricacies inherent in the process for both internal and external stakeholders, it is essential for the success of the schemes that this pathfinder process is allowed the necessary time to ensure enhanced learnings, thereby securing its overall aim and success.
Subject to validation, payments to OMCs may commence on eligible works before the end of this year.
This week I am seeking Government approval for the priority drafting of the Apartment and Duplex Defects Remediation Bill 2024 to support the remediation of apartments and duplexes with relevant fire safety, structural safety and water ingress defects, constructed between 1991 and 2013. The legislation will provide a statutory basis for the establishment of a remediation scheme aimed at protecting the safety and welfare of those living in apartments or duplexes with such defects that occurred during construction.
This will complement the interim measures that the Government has already put in place.
Both the Interim and future statutory schemes are aligned as follows:
• Only defects that are attributable to defective design, defective or faulty workmanship, defective materials (or any combination of these) and were in contravention of the Building Regulations applicable at the time of construction will be eligible for inclusion in the scheme.
• The scheme will support the remediation of relevant defects, where practicable, to the standard that applied at the time of their original construction. Where this is not practicable, alternative approaches and options will be considered that provide a reasonable level of life safety protection. The Scheme will not cover defects arising from wear and tear, the building not being adequately maintained, sinking funds not being adequately funded to replace building and safety systems when they expired nor later building work not being managed correctly, leading to defects.
104. Deputy Seán Haughey asked the Minister for Housing, Local Government and Heritage the number of homes prevented from bulk sale in the past three years; and if he will make a statement on the matter. [36893/24]
View answerIn May 2021, conscious of the need to increase stock for home ownership, the Government introduced a series of measures designed to prevent the bulk buying of houses and duplexes. Apartments were not included in this measure. The Section 28 Guidelines for Planning Authorities “Regulation of Commercial Institutional Investment in Housing” aimed to prevent multiple housing and duplex units being sold to a single buyer. These guidelines aim to provide an ‘owner-occupier’ guarantee by ensuring that new ‘own-door’ houses and duplex units in lower-density housing developments can no longer be bulk-purchased by institutional investors in a manner that causes the displacement of individual purchasers or social and affordable housing, including cost-rental.
The Guidelines included policy direction that a new form of condition should be attached to applicable new planning permissions, to the effect that all houses and duplexes would have to be made available for sale and for first occupation by separate, individual households for a period of two years after completion of the home. (In the case of mixed developments, the provision only applies to the houses and duplex units and not apartments). The approach set out in the Guidelines does not apply to housing to be provided for social or affordable purposes from this requirement; and if, after a period of two years, the local authority is satisfied that despite reasonable efforts, a market has not emerged, the condition will lapse.
In May 2024, the Chief Executives of all 31 Local Authorities and the Chairperson of An Bord Pleanála provided an estimate of permitted residential units with a planning condition attached to prevent multiple sales of housing to a single purchaser. Since May 2021, a combined total of 49,828 residential units were estimated to have received planning permission with conditions restricting the bulk buying or multiple sales to a single purchaser. Overall, this is an increase of 9,001 since the last count at the end of November 2023. There was no record of any enforcement action in relation to the condition. This suggests a full compliance to date.
105. Deputy Darren O'Rourke asked the Minister for Housing, Local Government and Heritage if he will report on the Residential Tenancies Board rent index report released recently; the measures he is taking to address rent increases for new tenancies in Meath; the measures he is taking to address rent increases existing tenancies in Meath; and if he will make a statement on the matter. [36897/24]
View answerThe Residential Tenancies Board (RTB) was established as quasi-judicial, independent statutory body under the Residential Tenancies Acts 2004-2024 (RTA) to operate a national tenancy registration system and to resolve disputes between landlords and tenants.
The RTB published the Q1 2024 Rent Index on 12 September 2024. The quarterly index tracks price developments in the Irish rental market over time and is based on RTB tenancy registration data that is independently analysed by the Economic and Social Research Institute (ESRI). The quarterly Rent Index provides the most accurate picture of how average rents are changing for new and existing tenancies in Ireland. The figures published compare the standardised average rent for all new and existing tenancies registered in Q1 2024 with a similar but not identical sample of all tenancies registered in the previous quarter and in Q1 2023.
As part of the RTA, the Planning and Development (Housing) and Residential Tenancies Act 2016 taking account of the constitutionally protected property rights of landlords, introduced a targeted Rent Predictability Measure to moderate rent increases in those parts of the country where rents are highest and rising fastest. Rent controls are applied on the basis of the objective evidence available via the RTB Quarterly Rent Index Report. Currently, 82% of tenancies across the country are subject to rent controls, including all 6 LEAs in County Meath.
To address the rent affordability challenges building on foot of the unexpectedly fast rising inflation rate, as recorded by HICP, the Residential Tenancies (Amendment) Act 2021 provides, from 11 December 2021, a cap of 2% per annum pro rata on rent increases in RPZs, where the inflation rate is higher. In effect, this will mean that rents in RPZs may only increase by a maximum of 2% per annum pro rata during times of higher inflation. In all cases, section 19(1) of the Residential Tenancies Acts 2004-2022 prohibits the setting of a rent that exceeds market rent.
The Government’s Housing for All plan is focused on tackling supply and affordability issues, including those in the rental market. The plan contains targets, actions and guaranteed State investment in housing aimed at increasing supply, which in turn will help increase access to affordable rental housing.
Budget 2024 sees the tax credit for renters increase to €750 and allocated €5.1 billion of funding to continue the vital work in progress under Housing for All and supports extra supply coming on stream. This includes affordable Cost Rental homes which are coming onto the market, some of which have been advertised at rates that are 40% to 50% lower than market rent. Hundreds of Cost Rental homes have been tenanted in less than 12 months.
Where a tenant is unsure as to the validity of a Notice of Rent Review served, he or she may refer the matter to the RTB for dispute resolution under Part 6 of the Acts, with redress available to the tenant and may include a direction to pay a refund of any unlawful rent amount paid and an amount of damages. For those landlords who are not in compliance with RPZ requirements, the RTB have stated that, as a priority they will be communicating with these landlords in an effort to bring them into compliance.
Furthermore, the RTB has stated that it will be using its full powers to investigate and sanction non-compliant landlords, where it is deliberate and ongoing.
Since July 2019, the RTB is empowered under Part 7A – Complaints, Investigations and Sanctions – of the Residential Tenancies Acts to investigate improper conduct by landlords and to impose sanctions, where appropriate. The RTB has the power to impose sanctions if improper conduct by a landlord is found to have occurred, ranging from a formal written caution and/or a fine of up to €15,000 and/or costs up to €15,000.
106. Deputy Richard Bruton asked the Minister for Housing, Local Government and Heritage if he is aware of the difficulty of developing multi-unit residential properties for sale to owner-occupiers, particularly in Dublin; if he has considered how the risk could be reduced; and if he will make a statement on the matter. [36970/24]
View answerPathway 3 of Housing for All recognises that lack of viability is constraining the development of apartments for the purpose of sale rather than rent in the built-up areas of cities that are more suited to higher-density residential development. Per section 3.4 of the Plan, Government has established the Croí Cónaithe (Cities) Fund to support the delivery of residential apartments for sale to owner-occupiers in our cities.
The Scheme is a fund to support the building of apartments in the heart of our cities for sale to owner-occupiers and aims to bridge the current viability gap between the delivery cost of building apartments and the market sale price (where the cost of building is greater) and to activate un-commenced planning applications.
The Scheme launched in 2022 and a third call for Expressions of Interest is currently live, with a closing date for receipt of applications of 26 September 2024. The Scheme is managed by the Housing Agency on behalf of my Department with further details available at www.housingagency.ie/CroiConaitheCities.
107. Deputy Richard Boyd Barrett asked the Minister for Housing, Local Government and Heritage the measures his Department is taking to ensure that the affordable to purchase housing at Shanganagh, and on all other publicly provided affordable housing schemes, will be genuinely affordable for those on average incomes. [36999/24]
View answerThe social and affordable housing development at Shanganagh is being delivered in a partnership between Dun Laoghaire-Rathdown County Council and the Land Development Agency (LDA). In addition to social housing, the scheme will deliver 306 cost rental and 91 affordable purchase homes.
In line with the Affordable Housing Act 2021, the administration of affordable housing schemes is a matter for the delivery partners, Dun Laoghaire-Rathdown County Council in collaboration with the LDA, who I expect will announce the cost rents and discounted affordable prices at which the homes will be made available to eligible persons when they are in a position to advertise the properties in line with standard arrangements.
Funding to support affordable delivery of the affordable purchase homes is approved from the Affordable Housing Fund to assist with the development costs of the 91 homes for affordable purchase. It is a condition of this funding that the homes be offered to eligible households at a discounted upfront affordable price of at least 15% below the market value of the homes.
I understand that the cost rental apartments will be let and managed by the LDA. The designation of cost rental homes requires that the initial rent is set at a rate that is at least 25% below the market rent for comparable homes in the same location.
108. Deputy Robert Troy asked the Minister for Housing, Local Government and Heritage if he will update schemes of letting priorities to incentivise people to work; and if he will make a statement on the matter. [36949/24]
View answerThe allocation of local authority dwellings, including the prioritisation of certain categories of households, is a matter for the local authority concerned, in accordance with their allocation scheme made under section 22 of the Housing (Miscellaneous Provisions) Act 2009 and associated Regulations.This legislation requires all local authorities, as a reserved function, to make an allocation scheme which specifies, among other things, the manner of, and the order of priority for, the allocation of dwellings to households on the housing and transfer lists.Decisions on the allocation of social housing support are a matter solely for the local authority concerned.
109. Deputy Jackie Cahill asked the Minister for Housing, Local Government and Heritage for an update on the local authority purchase and renovation loan; and if he will make a statement on the matter. [36931/24]
View answerOn 5 June I received Government approval for a Local Authority Purchase and Renovation Loan (LAPR), which is an expansion of local mortgage lending to support the purchase and/or renovation of homes which are eligible for the existing Vacant Property Refurbishment Grant.The introduction of the Local Authority Purchase and Renovation Loan significantly expands the number of homes eligible under current local authority mortgage lending rules. Eligibility for the loan is subject to creditworthy applicants meeting the existing local authority mortgage eligibility criteria and the project meeting the scheme lending criteria. This reinforces the Government’s commitment to bring homes back into use, a key objective of Housing for All, while also providing another funding pathway for individuals to realise their goal of homeownership.The Housing Purchase and Renovation Loans Regulations 2024 (S.I. 353 of 2024) were signed on 17 July 2024 and came into effect on 22 July 2024.The loan is open for applications with details available via the website on www.purchaseandrenovationloan.ie.
