Dáil Éireann Debate, Tuesday - 23 June 2026
471. Deputy William Aird asked the Minister for Housing, Local Government and Heritage whether the local authority home loan funding model will be extended to allow for the purchase and installation of modular homes under the scheme; and if he will make a statement on the matter. [47858/26]
Amharc ar fhreagraThe Local Authority Home Loan is a Government-backed mortgage for creditworthy applicants who cannot get sufficient funding from commercial banks to purchase or build a home. It has been available nationwide from local authorities since 4 January 2022 for first-time buyers and fresh start applicants. The loan can be used both for new and second-hand properties, or to self-build.
The Local Authority Home Loan can be used to construct a modular home or log cabin, if the dwelling has a guaranteed lifespan of a minimum of 60 years, is a permanent immovable structure on the site and is fully compliant with building regulations and planning requirements.
The purchase of a completed eligible modular home or log cabin is treated in a similar manner to the purchase of a completed traditionally built home. Where are loan is sought for the purchase, construction and erection of a home the loan will be classified as a self-build mortgage. As with all self-build mortgages, funding may be drawn down following the certification and completion of agreed stages.
