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Housing Schemes

Dáil Éireann Debate, Thursday - 12 February 2026

Thursday, 12 February 2026

Ceisteanna (409, 410, 411, 412, 413, 414, 415)

Robert O'Donoghue

Ceist:

409. Deputy Robert O'Donoghue asked the Minister for Housing, Local Government and Heritage whether eligibility for the local authority home loan adequately accounts for demonstrated repayment capacity, particularly in cases where applicants are single-income households due to illness or disability; and if he will outline any plans to revise assessment criteria to ensure that households with sustainable repayment capacity are not excluded solely on the basis of income composition; and if he will make a statement on the matter. [11228/26]

Amharc ar fhreagra

Robert O'Donoghue

Ceist:

410. Deputy Robert O'Donoghue asked the Minister for Housing, Local Government and Heritage if he acknowledges that single-income households are routinely offered lower loan amounts and less favourable terms by commercial lenders, notwithstanding repayment capacity; and whether the local authority home loan scheme is intended to address this market failure; and if he will make a statement on the matter. [11229/26]

Amharc ar fhreagra

Robert O'Donoghue

Ceist:

411. Deputy Robert O'Donoghue asked the Minister for Housing, Local Government and Heritage whether he has examined the interaction between disability-related income supports and eligibility for the local authority home loan, in circumstances where the withdrawal of a disability allowance results in a household being treated as single-income and subsequently excluded from affordable credit schemes; and if he will make a statement on the matter. [11230/26]

Amharc ar fhreagra

Robert O'Donoghue

Ceist:

412. Deputy Robert O'Donoghue asked the Minister for Housing, Local Government and Heritage if he considers it equitable that a modest disability allowance may be counted as income for means-testing purposes in some contexts, yet the absence of that payment results in households being excluded from affordability supports such as the local authority home loan; if he will review this apparent inconsistency; and if he will make a statement on the matter. [11231/26]

Amharc ar fhreagra

Robert O'Donoghue

Ceist:

413. Deputy Robert O'Donoghue asked the Minister for Housing, Local Government and Heritage whether the risk assessment underpinning the local authority home loan distinguishes between lack of repayment capacity and changed household circumstances arising from long-term illness or disability; and if not, whether he will commit to refining this distinction; and if he will make a statement on the matter. [11232/26]

Amharc ar fhreagra

Robert O'Donoghue

Ceist:

414. Deputy Robert O'Donoghue asked the Minister for Housing, Local Government and Heritage to clarify whether the local authority home loan is intended solely for households unable to access credit at all, or whether it is also designed to support households who can access credit only on unsustainable or significantly less favourable terms; and if he will make a statement on the matter. [11233/26]

Amharc ar fhreagra

Robert O'Donoghue

Ceist:

415. Deputy Robert O'Donoghue asked the Minister for Housing, Local Government and Heritage if his Department has conducted, or plans to conduct, a review of groups disproportionately excluded from the local authority home loan, including households affected by disability or long-term illness; and if so, when this review will be published; and if he will make a statement on the matter. [11234/26]

Amharc ar fhreagra

Freagraí scríofa

I propose to take Questions Nos. 409, 410, 411, 412, 413, 414 and 415 together.

The Local Authority Home Loan (LAHL) is a Government-backed mortgage for creditworthy applicants who cannot get sufficient funding from commercial lenders to purchase or build a home. The loan has been available nationwide from local authorities since 4 January 2022 for first-time buyers and fresh start applicants. To qualify for the loan applicants must demonstrate that they are unable to secure finance from two commercial lenders for the amount sought under the LAHL, applicants who have received sufficient offers of credit from a commercial lender are ineligible for the LAHL.

The policies of commercial lenders regarding the credit amounts and terms offered to individual borrowers are a matter for the lenders concerned.

The LAHL permits applications from both single applicants and joint applicants subject to maximum income limits. Currently single applicants can earn up to a maximum of €70,000 while joint applicants can earn a maximum of €85,000 to be eligible for the LAHL. Joint applicants can have one or more incomes, e.g. and a single income joint applicant household may still be eligible for the loan.

The amount of money that may be borrowed under the scheme is calculated based on the level of an applicant’s net income determined as available for repayment purposes. It is important, both for the lender and the borrower, that a mortgage is only granted to applicants who have a sufficient repayment capacity to repay the mortgage.

State benefit payments including disability allowance are generally not considered as part of repayment capacity. Exceptions are the state, widow(er), blind and invalidity pensions paid by the Department of Social Protection. It is important to note that the presence or absence of disability payments does not in itself determine eligibility for the LAHL, what matters is the overall repayment capacity of the household, assuming all other eligibility criteria are met. There are no plans to revise these criteria.

Both the Programme for Government 2025 and Delivering Homes: Building Communities commit to reviewing house price and income thresholds of the Local Authority Home Loan to ensure that it remains an accessible route to home ownership in the current housing market. The outcome of this review will addressed in due course.

Question No. 410 answered with Question No. 409.
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