Annual Housing Statistics
Bulletin 2007
FOREWORD BY MINISTER OF STATE
I am pleased to present the Annual Housing Statistics Bulletin for 2007. The Bulletin
reports on the outcomes from a wide range of housing activity carried out over the
course of the year. It describes key policy developments and indicates the outputs
achieved through the various social and affordable housing schemes. These outputs
reflect the significant investment directed at assisting less well-off households.
The Government’s housing policy statement Delivering Homes, Sustaining
Communities launched in February 2007, reflects both the National Development
Plan 2007 to 2013 investment and the social partnership commitments in Towards
2016, the ten year framework Social Partnership Agreement 2006 - 2015. The
emphasis, following on from publication, has been on implementation of the reform
agenda set out in the statement. This has involved consultation with stakeholders,
developing the detail of schemes and progressing the drafting of legislation to
reflect the social housing reform agenda set out in the policy statement.
My Department continues to focus on quality in the provision of housing. Recent
housing policy statements- in particular new design guidelines on housing delivery
entitled Quality Housing for Sustainable Communities and Guidelines for Planning
Authorities on Sustainable Urban Housing: Design Standards for Apartments - all form
part of a suite of guidance documents, which assist in the delivery of quality
housing and neighbourhoods. As well as new build programmes, a focus on quality
also extends to regeneration in our existing housing stock, with some €165 million
made available to local authorities for regeneration and social housing improvement
measures in 2007. In addition, work has progressed on the implementation of the
Action Programme on Private Rented Accommodation Standards.
In addition to providing information on the progress of housing programmes, the
Annual Housing Statistics Bulletin provides data on wider housing market
indicators. 2007 heralded a significant period of change for the Irish housing
market, with the commencement of the long-expected transition to more sustainable
1
levels of activity in Irish house-building. The domestic market also began to feel the
effects of the global tightening of credit stemming from difficulties which began in
the US markets but soon spread internationally. These challenges have persisted
into 2008.
I hope that this Bulletin will prove to be useful to all readers. The full historic
series of statistics is also available on the Department’s website at www.environ.ie.
Michael Finneran T.D.
Minister for Housing, Urban Renewal and Developing Areas
2
CONTENTS
Part 1 - Overview
5
Part 2 - Housing Market Indicators
11
Appendix I - Statistical Tables
40
Section 1 - Housing Activity
House completions - by sector
Total house completions - by area for 2007
Total and private house completions - by area
New houses completed - by type for 2007
New house guarantee registrations
Commencement notices
Supply of housing land
40-46
Section 2 - House Prices
New house prices by area
New house prices (excl apartments) by area
New apartment prices by area
Second-hand house prices by area
Second-hand house prices (excl apartments) by area
Second-hand apartment prices by area
Ranges of house prices - Whole country
Ranges of house prices - Dublin
House building cost index
47-57
Section 3 - Housing Loans
Loan approvals
Loan payments
Ranges of loans paid - Whole country
Ranges of loans paid - Dublin
Ranges of loans to value - Whole country
Ranges of loans to value - Dublin
Ranges of loan terms - Whole country
Ranges of loan terms - Dublin
58-66
Section 4 - Profile of Borrowers
Ownership status of borrowers - Whole country and Dublin
Ranges of ages - Whole country
Ranges of ages - Dublin
Ranges of income of borrowers - Whole country
Ranges of income of borrowers - Dublin
67-71
3
Section 5 - Housing Support
Total social and affordable housing provision - 2007
72-75
Section 6 - Paths to Home Ownership including Part V Activity
Part V, Planning and Development Acts 2000 - 2006
Shared ownership and Affordable housing (1999 scheme) - by area
Mortgage allowance - by area 2007
Sale of local authority houses
76-79
Section 7 - Social Housing Supports
Local authority housing output new build and acquisitions by area 2003 - 2007
Local authority housing output new build and acqusitions - by Council
Improvement works in lieu of re-housing and extensions - by area
Local authority casual vacancies 2007
Number of local authority houses let at 31 December
Voluntary and Co-operative housing output - by area 2007
Rental Accommodation Scheme (RAS)
80-86
Section 8 - Traveller Accommodation
Traveller Families in all categories of accommodation at 30 November 2007
87-90
Section 9 - Disabled persons and essential repairs grants paid
Disabled persons and essential repairs grants paid by local authorities
Disabled persons and essential repairs grants paid - by area 2007
91-92
Section 10 - Private Rented Housing
Enforcement of requirements for standards and rent books in 2007
Private rented housing - Registrations at 31 December 2007
93-94
Section 11 - Capital investment in housing
Public capital expenditure on housing
Capital formation in housing
Appendix II - Summary of Social and Affordable Housing Schemes
4
95
96-101
Part 1
Overview
The key housing objective is to enable every household to have available an
affordable dwelling of good quality, suited to its needs, in a good environment
and, as far as possible, at the tenure of its choice.
After more than a decade of record levels of housing output that peaked in 2006, a
decline in output was recorded in 2007 when 78,027 houses and apartments were
completed. Some 17,725 houses/apartments were completed in Dublin, with a total
of 24,974 provided in the Greater Dublin Area (GDA). It represents a further
significant addition to the housing stock, bringing the total volume of new housing
since 1997 close to 700,000.
25% of the houses built in 2007 were single houses, with the remainder developed
across schemes of varying sizes. Apartments accounted for 24% of all new
completions in 2007.
The rate of housing output in Ireland, at 18 dwellings per 1,000 persons in 2007,
remains well ahead of most other countries. However, the decline in output has
continued as the market makes a transition to a level of housing output that is
sustainable relative to the size and distribution of demand and sufficient to provide
for a growing population and economy. A sequence of factors impacting on the
housing market, including the global credit squeeze and successive mortgage
interest repayment increases, has reinforced that decline. Some commentators are
forecasting housing output in the region of 40,000 – 45,000 units in 2008.
There has been a targeted investment to address the housing needs of the less well
off in Irish society. In 2007, over €2 billion of exchequer and non-exchequer funding
has been invested, an increase of 21% on 2006. As a result of this investment, a total
of 18,341 households have benefited from the various social and affordable housing
schemes. 14,620 households in need of social housing were assisted and 3,539
households benefited from affordable housing measures, with a further 182
households aided by the Mortgage Allowance Scheme.
Detailed statistical tables are provided in Appendix I.
5
Key Policy Developments in 2007
New Housing Policy Statement
In early 2007, the Department published a major policy statement on housing,
Delivering Homes, Sustaining Communities, reflecting both the NDP investment and
the social partnership commitments in Towards 2016, which sets the agenda for
housing for the medium term.
The emphasis, following on from publication, has been on implementation of the
reform agenda set out in the statement. This has involved consultation with
stakeholders, through the Housing Forum and otherwise, developing the detail of
schemes and progressing the drafting of legislation to reflect the social housing
reform agenda set out in the policy statement.
Under Towards 2016, the Government has committed to: •
The commencement/acquisition of 27,000 new units of social housing through
a variety of mechanisms over the period 2007 to 2009;
•
Full implementation of the Rental Accommodation Scheme; and
•
The delivery of 17,000 affordable homes in the period 2007 to 2009.
Delivering quality housing
The delivery of quality housing in quality neighbourhoods is an important
underpinning of policy reflected in recent housing policy statements. Actions to
improve standards in the private rented sector have already been referred to, and in
the general housing market the continuing development of building regulations
seeks to generally raise the standards. Given the significant level of residential
construction over the past decade, a substantial proportion of Irish housing is built
to the high standards of insulation etc.
New design guidance on housing delivery entitled Quality Housing for Sustainable
Communities were published in March 2007. In September, Guidelines for Planning
Authorities on Sustainable Urban Housing: Design Standards for Apartments were
launched. These documents form part of a suite of guidance documents which the
Department is developing to promote quality in housing and neighbourhoods.
The Department, through its involvement in the issuing of Floor Area Compliance
Certificates (FACCs), which are required by first-time buyers of new houses
claiming stamp duty relief, is continuing its role in the inspection of new houses as
a means of ensuring a measure of protection for first-time buyers. Department
officials inspected some 37,552 properties last year for compliance with FACC
standards.
6
Regeneration
The Department continues to place a focus on quality in the provision of housing.
This extends to the efforts being made to renew and regenerate our existing housing
stock as well as to new build programmes. In 2007 some €165 million was made
available to local authorities for regeneration and social housing improvement
measures. This supported continued progress on the Ballymun regeneration
programme and work on the early stages of a number of other regeneration projects
which will advance significantly in the years ahead.
Following a Government decision in April 2007, the Limerick Northside
Regeneration Agency and the Limerick Southside Regeneration Agency were
established with effect from 15 June 2007. The Agencies were charged with driving
economic and physical development in Moyross and Southill / Ballinacurra Weston
and co-ordinating intensive action to deal with social and educational disadvantage
in those areas.
Following their establishment, the Agencies undertook to produce a document for
each area to outline a new vision for the future and to form the basis on which
detailed and costed master plans could be delivered. Work on the vision documents
was substantially completed by the end of 2007, with the preparation of master
plans getting underway following publication of the vision documents in early 2008.
The Sustainable Communities Fund was introduced in 2007 to finance projects that
seek to support the achievement of sustainable communities through initiatives that
provide for the renewal and improvement of the housing stock and living
environments in the context of the housing policy framework – Delivering Homes,
Sustaining Communities. Funding totalling some €7.6 million for 49 projects
throughout the country was approved over a three-year period. When local
authority co-funding is taken into account, it is anticipated that the total spend on
these projects over three years will rise to some €14.4 million.
Special housing needs
Following a review of the Disabled Persons and Essential Repairs Grant Schemes, a
revised framework of housing adaptation grant schemes to assist older people and
people with a disability with their accommodation needs was introduced in
November 2007. The new schemes involve a more streamlined operation in order to
ensure the most efficient and cost-effective outcomes from the funding available.
The Department recouped €47.5 million to local authorities for the payment of
Disabled Persons and Essential Repairs Grants in 2007.
Work commenced on the development of a national housing strategy for people
with a disability. This strategy will have particular regard to adults with significant
7
disabilities and people who experience mental illness, and is being progressed by a
National Advisory Group, chaired by the Department of the Environment, Heritage
and Local Government, and involving the Department of Health and Children, the
Health Service Executive, social partners and other relevant stakeholders.
As part of this approach, work has been undertaken on the development of
protocols to deal with co-operation between the HSE and housing authorities to
provide a strategic framework for inter agency co-operation at local level. A protocol
governing liaison between the HSE and the housing authorities on the assessment
of the accommodation needs of people with a disability has been developed and is
being implemented by the housing authorities and the HSE. A further protocol
governing support costs for social housing projects provided for people with a
disability is currently being developed.
A cross-departmental team on sheltered housing for older people has been
established, operating within the cross Agency framework of the Office of the
Minister for Older People, to develop and oversee policy in this area and agree local
structures and protocols for integrated management and delivery of housing and
related care services.
Homelessness
Work continued in the Department on the preparation of a revised government
strategy on adult homelessness. This included the application of a health impact
assessment and a poverty impact assessment to the draft strategy. The work in this
area has benefited from the input of the National Homeless Consultative
Committee, which was established in April 2007, under the aegis of the Housing
Forum.
In 2007, the Department reimbursed to local authorities €53 million for expenditure
incurred in the provision of accommodation and related services for homeless
people. A number of innovative projects, funded under Section 10 of the 1988
Housing Act, commenced in 2007. These include the Midlands Simon resettlement
service, Bentley House in Dun Laoghaire, the Focus Ireland tenancy sustainment
service in Kilkenny and the Westside day centre in Galway city.
Traveller Accommodation
The National Traveller Accommodation Consultative Committee (NTACC) was reappointed in January 2007. The NTACC is concentrating on a number of key
accommodation issues including the position of Travellers on unauthorised sites, the
provision of transient sites and reasons why Travellers leave accommodation. 199
new and refurbished Traveller specific units of accommodation were provided last
year while 130 additional Traveller families were accommodated in standard local
authority housing.
8
Rental Accommodation Scheme (RAS)
The Rental Accommodation Scheme (RAS) marks a much welcomed and
fundamental change in housing policy and is leading towards improved coordination of housing activities integral to the Government’s Housing Policy
Statement Delivering Homes, Sustaining Communities and strengthening the role of
local authorities in housing provision and support services.
All local authorities are implementing RAS and over 11,000 former rent supplement
cases with long term housing need have already been progressed through this
scheme. RAS represents an important element of the Government’s housing policy
and one that is set to assume an increasing role in meeting housing needs in the
future.
Private Rented Accommodation Standards
Good progress was achieved in 2007 in implementing an Action Programme on
Private Rented Accommodation Standards. Enforcement is a key element of the
Programme and significantly increased funding, from the proceeds of tenancy
registration fees received by the Private Residential Tenancies Board (PRTB), was
provided to assist local authorities in their functions relating to the private rented
sector. Over €3 million was allocated in respect of 2007, linked partly to
enforcement performance, bringing total funding for this purpose since 2004 to
approx. €7 million. Two reports on measures to promote improvement in private
rented accommodation standards and good practice guidelines for local authorities
were published through the Centre for Housing Research in 2007.
A general review of the content of the existing standards regulations was
undertaken in consultation with relevant interests, with a view to updating them.
Since then the Department has engaged extensively and collaboratively with key
stakeholders. It has published, for public consultation, a set of proposals for revised
draft regulations prior to submitting finalised proposals to Government.
Commencement of revised regulations is planned for early 2009.
Private Residential Tenancies Board
Implementation of reforms in the private rented sector, statutorily provided for by
the Residential Tenancies Act 2004, continued to be driven by the Private Residential
Tenancies Board (PRTB), an independent statutory body. Significant progress was
achieved in 2007 with the number of tenancies registered rising to 200,000 in respect
of 92,000 landlords and 340,000 tenants during the year. Linkage between tax relief
on private rented accommodation and registration, introduced in the Finance Act
2006, contributed to the increase in registration numbers in 2007. The PRTB also
provides a comprehensive dispute resolution services as an alternative to the Courts
and involves mediation or adjudication and tenancy tribunal appeal hearings. The
9
Board received 1,504 dispute cases in 2007. Progress was achieved in respect of the
Board’s determinations with almost 450 Orders issued, a 24% increase.
Affordable Homes Partnership
The primary remit of the Affordable Homes Partnership, when established in 2005,
was to bring greater co-ordination and add impetus to the delivery of affordable
housing in the Greater Dublin Area. During 2007, the Partnership progressed a
number of initiatives, including completing the second half of purchases of some
500 homes on the private market which were then made available to eligible
purchasers at discounted prices. It also continued to progress a number of State
lands projects under the Affordable Housing Initiative.
The Partnership’s establishment order was amended in June 2007, to implement
provisions under Towards 2016, to apply on a national basis certain aspects of the
Partnership’s experience in the Greater Dublin Area. Working jointly with the
Department, the Affordable Homes Partnership completed some valuable resource
packs for use by local authorities countrywide, including an Affordable Homes
Toolkit which is a comprehensive guide for local authorities on all aspects of
affordable housing, helping to promote a consistent approach in dealing with
affordable home buyers nationwide. It also published a second edition of the Best
Practice Part V Resource Pack, developed following consultation with local
authorities, the construction industry and the professional bodies to help develop a
common approach to Part V and achieve consistency on a national basis.
Centre for Housing Research.
The Centre for Housing Research, which is a joint initiative between the Department
of the Environment, Heritage and Local Government and the local authorities,
facilitates the improved management of the social and affordable housing sectors.
During the course of 2007, it carried out a number of research projects including the
production of a policy discussion paper and of good practice guidelines for local
authorities on standards in the private rented sector and commenced an evaluation
of a pilot central heating and insulation scheme for private accommodation owned
by older people. It also organised a series of information seminars including a
number on the Department’s Delivering Homes, Sustaining Communities policy
document and on the Housing Needs Assessment (this was carried out in Spring
2008) as well as consultation meetings on the Homeless Strategy.
10
Part 2
Housing Market Indicators
A number of indicators are available to assess the trends in the housing market.
These include house completions, house guarantee registrations, commencement
notices, planning permissions granted, serviced housing land availability, house
prices and affordability measures. These data are produced in Appendix I and
where possible, historical data are available on the Department’s website
www.environ.ie
Section 1 - Housing Activity
House Completions
After more than a decade of record levels of housing output, a decline in output was
recorded in 2007 when 78,027 houses and apartments were completed. Some 17,725
houses/apartments were completed in Dublin, with a total of 24,974 being provided
in the Greater Dublin Area (GDA).
25% of the houses built in 2007 were single houses, with the remainder developed
across schemes of varying sizes. Apartments accounted for 24.1% of all new
completions in 2007. A breakdown of these figures by area is at Pages 40 to 43.
91% of overall output was private housing, while 9% or 6,671 units, were completed
by the local authority and voluntary and co-operative sector. (This does not
represent the total output of social housing provision by local authorities, as other
measures including acquisitions, vacancies in existing stock etc contribute to the
level of first-time lettings by local authority - see page 83.)
11
New House Guarantee registrations
Nationally, the number of new houses registered under guarantee schemes1 for 2007
were 38,351, down 42% compared with 2006 (see Page 44). Dublin showed a higher
decline in the number of registrations by almost 48% in the year (9,318 new
dwellings). These significant reductions in future housing supply began to emerge
from the second quarter of 2007, after a period of doubling of interest rates between
December 2005 and June 2007 which, combined with very high prices, caused
significant deterioration in house purchase affordability. This, in tandem with the fact
that many buyers had brought forward purchases in 2005 and 2006, resulted in a
sharp fall-off in market demand. Speculation about possible stamp duty changes
helped spark off the slowdown and as sales slowed, an increasing expectation of price
reductions encouraged potential buyers to stay out of the market.
Commencement Notices
Data available on ‘Residential Commencement Notices’ under the Building Control
Regulations, are available from all building control authorities since January 2004.
Details of the numbers of residential units started, with numbers of single units
available separately are published in the table on page 45. Results for 2007 indicate
some 49,000 residential dwellings were newly started, about 27,000 lower than the
previous year. Of these, 32% were single dwellings, up from 23% in 2006.
1
House registrations are made on a voluntary basis with either HomeBond or Premier Guarantee. (The
latter since 2002).
12
Supply of Housing Land
The 9th housing land availability survey undertaken in June 2007 indicated that
there was 15,100 hectares of zoned serviced land nationally, with an estimated yield
of 469,937 housing units (Page 46). This equates to sufficient capacity nationally for
residential development for over six years, based on recent average housing output.
At the end of June 2007 Dublin City and County had 2,210 hectares of zoned
serviced land with an estimated yield of over 146,700 housing units. There were
1,170 hectares of zoned serviced land in the Mid-East Region with an estimated
yield of about 28,000 units. In the other major urban areas, there was sufficient
zoned serviced land to yield about 37,000 units in Cork, 22,000 units in Galway,
10,000 units in Limerick and 7,000 units in Waterford.
Planning Permissions granted
Another useful indicator of future housing activity is the level of planning
permissions granted. This data are published by the Central Statistics Office, and
available on their website at www.cso.ie. It shows that nationally 84,397 units
received a final grant of planning permission in 2007, representing an increase of
over 7% on 2006, a reversal of the decline seen in 2006 of -20.7%. At a more local
level, planning permissions were up 16% in the Greater Dublin Area (23,039 units)
and up 9% in Dublin (13,194 units) in 2007. While, Cork also reported increases of
16% and Limerick a decline of -10.6%.
Housing Stock
There are estimated to be about 1.9 million units of Housing stock2 by end-2007.
This estimate starts from the base number of dwellings surveyed for the Census of
Population 2006, including both vacant and occupied dwellings, and after adding
on the number of units completed since then to end-December 2007. This represents
about 420 units for every 1,000 persons, which is lower than EU norms where the
average is approximately 450 per 1,000 persons.
Over one-third of the existing housing stock has been built in the past 10 years, a
result of the record levels of housing construction activity in this period. The 2006
Census results reveal that:
2
Housing Stock includes both permanent occupied and unoccupied habitable residential dwellings. Nil
obsolescence assumed over past 4 years.
13
•
Irish housing stock is dominated by detached houses - 43% of the stock
consists of detached houses, semi-detached houses account for 27%, terraced
houses for 18% and apartments represent 10% of the total stock.3
•
Close to one third of housing stock is made up of one-off housing, that is,
detached housing in open countryside.
•
75% of the occupied housing stock is owner-occupied. 7% of the stock is
rented from a local authority, while 13% is rented privately.4
•
While 10% of the stock is currently made up of apartments, apartment
building has been a particular feature of recent completions. In fact apartment
building made up 24% of all housing units built in 2007 (up from 21% in 2006),
or 62% of the Dublin region.
•
In 2007, 51% of housing units were built in estates (schemes), and individual
houses accounted for the non-apartment remaining 25%.
3
4
14
Based on the 2006 Census of Population results; balance of 2% not specified in Census.
The 5% balance is not specified in the 2006 Census results.
Section 2 - House Prices
Average House Prices
The average price of a new house (including apartments) nationally was €322,634 in
2007. In the case of Dublin, the average price was €416,225. The average price of a
second-hand house in 2007 was €377,850 nationally and €495,576 in Dublin.
In Quarter 4 2007, the average price of a new house (including apartments)
nationally was €314,333, a slight increase on the average price reported in the same
quarter in 2006. The average price of a second-hand house was €366,912, down 2.3% over the same period in 2006. The average price for a new house in Dublin was
€402,346 in quarter 4 2007, down -4.1% compared with the corresponding quarter in
2006. The average price of a second-hand house in Dublin was €462,806, down 10.6% over the same period in 2006.
House Type
Average Price Q4 2007/Q4 2006
Q4 2007/Q4 2006
% Change
Average Price Year on Year
Year 2007*
Change %
New:
Nationally
Dublin
€314,333
€402,346
0.4%
-4.1%
€322,634
€416,225
5.6%
2.5%
€366,912
€462,806
-2.3%
-10.6%
€377,850
€495,576
1.7%
-3.3%
Second hand:
Nationally
Dublin
* These values are not adjusted for changes in the mix of dwellings being approved
for sale in any given period.
15
Prices are shown for the whole country and the five main urban areas (Cork,
Dublin, Limerick, Waterford, and Galway). (Pages 47 to 52).
16
Affordability
The Department maintains an index of housing affordability measured by reference
to the costs of servicing a mortgage.
Due to trends in family and work situations, such as the steady increase in female
participation in the workforce in recent years, it is relevant to examine trends in
affordability for two-earner (married) households4. The index assumes a loan period
of 20 years, as this has been the traditional loan period. The availability of longerterm loans has meant that first-time buyers have been able to make lower monthly
repayments but this has increased their overall cost of borrowing in the long run.
The affordability ratio indicates that there has been a decrease in affordability since
1994. In 2007, the mortgage outgoings of a two income household represents about
32% of their disposable income, compared to 22% in 1995 and 29% in the early 1990s
on a national basis. In recognition of this, the Minister for Finance in his 2006
Budget doubled the amount of interest on which mortgage relief is available,
increasing it to a maximum relief for a joint first-time purchaser of €20,000 in 2008.
4
This index is based on assumptions contained in the Bacon report and is based on a two earner household
– one person earning the average non-industrial wage and the other earning the average industrial wage.
The 2007 mortgage outgoings are based on a 20-year mortgage, 5% interest rate and an average national
house price of €322,634.
17
Section 3 - Loans Information
Over 84,000 housing loans were paid out in 2007 for house purchase purposes to the
value of €22.5 billion. Of these, some 46,600 were for the acquisition of new houses
(including apartments). Details of the number and value of loans approved and
paid between 2003 and 2007 are set out in pages 58-59 and for loans paid in 20075
on page 60. The data indicate a fall in the number of loan approvals, with a clear
decline from the third quarter of 2006, which in turn has been reflected in a fall in
actual lending with effect from the first quarter 2007.
2007
Numbers of Loans
Value € million
Approved
New
40,497
€10,560m
Second Hand
48,250
€13,504m
New
46,588
€11,649m
Second Hand
37,698
€10,807m
Paid
Indicative data from a large sample of mortgages indicate that 59% of mortgages
paid out in the whole country were for less than €250,000. In the Dublin area, 32%
of mortgages were below €250,000.
5
From 2007 the source of data for loans paid series is the IBF/PcW Mortgage Market Profile and not directly
comparable with 2006.
18
Section 4 - Profile of Borrowers
Data from the House Price Statistics System (HPSS) are now used to present
statistics relating to the borrower price6. This replaces the previous voluntary
sample survey based only on loans paid. These data are therefore more
comprehensive and provide useful indicative statistics in relation to borrowers,
including ranges of loans paid and gross incomes, loan to value ratios, loan terms
and average ages. These data also provide an indication of the purpose for which a
dwelling is being acquired. For instance, in 2007 some 85% of mortgages were for
the purchase of a residence (this was up from 80% in 2006), with the proportion
borrowing for investment in new houses falling from 18% to 14%. 1% of houses
bought with a mortgage were for second or holiday homes.
Table: Purpose of Loan Approval - 2006
New houses
Second hand houses
All house types
Principal Residence
85%
79%
82%
Investment
14%
20%
17%
Holiday Home
1%
1%
1%
First-Time Buyers
Data supplied by the financial institutions on mortgages approved in the year 2007
show that first-time buyers continue to remain a significant force in the housing
market. It is estimated that 38% of all house purchase loans for new houses were by
first-time buyers of whom 48% were single purchasers. (Table on page 67)
The general profile of the first-time buyer borrowing in 2007 was as follows:
•
On average, the first-time buyer was aged 30 (with 58% of all first-time buyers
aged under 30).
•
The proportion of 100% mortgages taken out by first-time buyers in 2007
reduced to 26% from 34% a year earlier. In Dublin, 21% of loans taken out by
first-time buyers in 2007 had 100% loan to value ratios, compared to 31% a year
earlier.
6
The House Price System (HPSS) has been developed through the support of the mortgage lending
institutions. It has a two-fold purpose, firstly to provide data for the calculation of alternative house price
indices, (still under development) and secondly to provide a wider analysis of borrowers, which has not
been possible from previous sample surveys.
19
•
The most frequent mortgage term for first-time buyers borrowing in 2007 was in
the range 31 to 35 years, accounting for 61% of first-time buyer loans nationally,
and 71% in Dublin. 16% of loans to first-time buyers were for 25 years or less.
•
29% of the loans taken out by first-time buyers for terms of 31 years or more had
a 100% loan to value ratio. This is lower than in 2006 when 40% of loans taken
out for 31 years or more had a 100% loan to value ratio.
•
The majority of first-time buyers pay on average 13% less than the overall
average price for a new house, with 61% of first-time buyer’s houses nationally
priced at under €300,000 (31% in Dublin).
Some of these data are presented in the following tables (all refer to loans taken out by
first-time buyers in 2007, unless stated otherwise):
Table: Age range of First-Time Buyer
National
Dublin
Up to age 25
26 to 30
31 to 35
18%
17%
40%
42%
23%
23%
36 to 40
10%
10%
41 +
9%
8%
Table: Range of Average Loan to Value ratios by First -Time Buyers
Up to 70% 71% to 80% 81% to 90% 91% to 95% 96% to 99% 100%
National
Dublin
19%
14%
7%
6%
12%
14%
28%
33%
9%
13%
26%
21%
Table: Range of Average Loan Terms for First -Time Buyers
National
Dublin
Up to 20 yrs
21 to 25
26 to 30
31 to 35
36 +
6%
3%
10%
6%
19%
16%
61%
71%
3%
4%
Table: Range of Loan to value ratios for loan terms of over 30 year by First –Time
Buyers
Up to 70% 71% to 80% 81% to 90% 91% to 95% 96% to 99% 100%
2006
2007
20
9%
12%
4%
5%
10%
12%
31%
33%
6%
9%
40%
29%
Table: Range of average houses price (new and second hand) purchased by First
–Time Buyers
Up to €200K to €250K to €300K to €350K to €400K to €500K +
€200K €250K
€300K
€350K €400K
€500K
National
20%
21%
20%
16%
11%
7%
5%
DuDublin
6%
9%
16%
23%
22%
15%
9%
Table: Average house loan taken out by First –Time Buyers
National
Dublin
Up to
€150K
€150K to
€200K
14%
4%
23%
10%
€200K to
€250K
23%
14%
€250K to
€300K
€300K to €400K+
€400K
19%
21%
18%
39%
4%
12%
Table: Percentage First-time buyers purchasing Jointly or Singly.
Joint purchasers
Single purchasers
52%
48%
The Finance (No 2) Act 2007 introduced Stamp Duty changes for first-time buyers.
First-time buyers are now completely exempt from Stamp Duty on both new and
second hand properties in respect of purchases on or after 30 April 2007. Figures
indicate that first-time buyers made up 30% of house loans taken out to buy secondhand properties in 2007 and this change will have directly assisted a significant
number of these buyers. (Table on page 67)
Budget 2008 introduced a complete reform of the Stamp Duty regime on residential
property. A new simplified system provides that the first €125,000 is exempt from
Stamp Duty with a single rate of 7% applying on the excess, where the price does
not exceed €1m. Only those properties where the price exceeds €1 million pay at a
higher rate of 9%, on the portion of the price that exceeds €1 million. This change
applies to purchases on or after 5 November 2007 and benefits all purchasers of
second hand residential accommodation.
21
Section 5 - Housing Support
It is recognised that even at a high level of supply, the market will not address the
full spectrum of housing needs. Specific measures are required to aid households
who cannot afford to meet their own housing needs. Local authorities have a broad
and important role in responding to these needs. This involves both direct
provision and enabling needs to be met through interaction with both the voluntary
and co-operative housing and private housing sector.
The nature of support varies, ranging from those with little support can be assisted
on paths to home ownership through to households facing a range of difficulties,
which require multiple interventions.
Support is provided through a range of options namely:•
Paths to Home Ownership:
-
•
Social rented accommodation:
-
•
22
Affordable housing – purchase of house at discounted price;
Shared ownership – purchase of a home through purchase of initial stake
and the balance is rented from the housing authority;
Tenant purchase of local authority dwellings at discounted prices.
Housing provided at a rent related to income.
Housing support for those with special accommodation needs:
-
Homeless accommodation and supports;
Traveller-specific accommodation;
Grants to adapt housing for the needs of older people and people with
disability;
Schemes to exchange private housing for sheltered accommodation for
older people;
Sheltered accommodation for older people;
Sheltered accommodation for people with a disability;
Adapted social housing for people with special needs.
In 2007, total exchequer and non-exchequer funding of these housing measures
amounted to some €2.2 billion and represented an increase of 21% on the 2006 outturn.
To ensure maximum output from multi-annual capital expenditure on social and
affordable housing measures over the coming years through a coherent and coordinated response across all housing services, five-year Action Plans were
introduced. In preparing these plans, local authorities had to assess their social and
affordable housing needs taking account of their existing housing stock. The
resultant plans set out their proposed response to these needs for 2004-2008 across
the range of housing programmes including local authority housing construction,
regeneration and remedial works, voluntary housing, traveller accommodation,
housing needs of older persons and people with disabilities, homelessness,
affordable housing, and management and maintenance of the stock.
As a result of this investment, the housing needs of 18,341 households were met in
2007. The table on page 24 provides a breakdown of the numbers of households
assisted in 2007 under various social and affordable measures. A local authority
breakdown of the 2007 total provision is set out in the tables on pages 72 to 75 in
Appendix I (Background details of each measure are provided in the Appendix II)
Social rented housing starts and completions were particularly strong in 2007.
There was a high level of social housing units in progress by both the local authority
and voluntary and co-operative housing sector at the end of the year, and with an
increase in affordable housing, this augurs well for a growth in the number of
households benefiting from social and affordable housing in the coming years.
In addition, by the end of 2007 local authorities had transferred some 11,096
households out of rent supplement to either the Rental Accommodation Scheme
(RAS) or to other social housing options.
23
Overview of Social and Affordable housing provision 2007
Social Housing:
Local Authority Houses
• Completions & Acquired (including Part V)
• Regeneration (new units)
• RAS new units
6,714
274
9067
Total Local Authority provision
7,894
Voluntary & Co-operative Houses
• Capital Assistance
• Capital Loan & Subsidy
• Part V
Total Voluntary & Co-op provision
593
699
393
1,685
Other Social Housing measures
• Vacancies in existing stock
• Improvement works in lieu of re-housing
• Extensions to local authority houses
• Tenants transferring to RAS under
arrangements with their existing landlords
• Traveller accommodation new units
• Traveller accommodation refurbished units
1,171
133
66
Total Other Social Housing measures
5,041
Total number of households assisted
through Social Housing measures
14,620
Affordable Housing:
• Shared Ownership
• 1999 Affordable Housing
• Part V Affordable Housing/ AHI
• A.H.P. (sales completed by A.H.P.)
180
869
2,304
186
Total number of households assisted
though Affordable Housing measures
3,539
Mortgage Allowance8
Total provision of all Social and Affordable Housing
measures
7
Numbers
3,350
67
254
182
18,341
A total of 796 units were acquired during 2007 for RAS. The cumulative stock of newly acquired RAS units
(includes long term leases and acquisitions) totalled 1,201. Of these, 1,038 were occupied by the end of
December 2007. (ie 132 in 2006 and 906 in 2007)
8
This excludes 55 households who surrendered local authority houses in 2007 to acquire affordable scheme
houses, as these are counted in the appropriate affordable housing scheme.
24
The Department and local authorities are assisted in their delivery of these housing
services through a number of support agencies:
Housing Finance Agency
The Housing Finance Agency continued in 2007 to make an important contribution
to the delivery of social housing programmes, with loan advances of €1.1 billion
(increase of 88% on 2006). (www.hfa.ie)
National Building Agency
The National Building Agency continues to play an important role in contributing
to the objective of increased social housing through the local authority, voluntary
and affordable housing programmes. The agency provides consultancy services to
local authorities in the provision of social and affordable housing. (www.nba.ie)
Centre for Housing Research
Financial assistance was also provided to support the work of the Centre
for Housing Research (formerly the Housing Unit). This is a joint initiative between
the Department of the Environment, Heritage and Local Government and the local
authorities. The overall purpose of the Centre is to facilitate the improved
management of the public and social housing sector. It operates under the aegis of
the Institute of Public Administration. (www.centreforhousingresearch.ie)
Affordable Homes Partnership
The Affordable Homes Partnership was established by the Government in 2005 to
accelerate the delivery of affordable housing in the Greater Dublin area, where the
problems are the most acute. (www.affordablehome.ie)
25
Section 6 - Paths to home ownership including Part V Activity
Affordable housing is provided under various schemes, including the Shared
Ownership Scheme; 1999 Affordable Housing Scheme; Part V of the Planning
Development Acts 2000 – 2006; Affordable Housing initiative (AHI) as provided in
Sustaining Progress Partnership Agreement and units delivered though the Affordable
Homes Partnership (AHP).
Affordable Housing:
• Shared Ownership
• 1999 Affordable Housing
• Part V Affordable Housing, including AHI
• Units delivered by A.H.P.
180
869
2,304
186
Total number of households assisted though
Affordable Housing measures
3,539
•
Mortgage Allowance
9
182
Part V of the Planning and Development Acts 2000 – 2006
Background
Part V is one of the measures included in the consolidation and reform of the
planning law contained in the Planning and Development Act 2000. Part V
requires, inter alia, that up to 20% of land zoned for residential developments or for
a mix of residential and other uses, is to be reserved to meet social and affordable
housing needs and be made available to the local authority at the existing use value
rather than development value. It also assists with social integration by ensuring
that there is a proper mix of tenures in new residential developments.
Exemptions
Part V only applies to housing developments on land zoned residential or a mixture
of residential and other uses. In addition, certain types of residential developments
are completely exempt from the requirement to comply with Part V. These are:•
Developments of social housing for letting by an approved housing body;
9
In addition 182 households were assisted through the mortgage allowance scheme (this excludes 55
households who surrendered local authority houses in 2007 to acquire affordable houses)
26
•
Conversion of buildings to housing, where at least 50% of the external part of
the building is being retained;
•
The carrying out of works to an existing house;
In addition Section 97 of the Act enables an applicant to apply for an exemption
certificate before they apply for a planning permission in the following
circumstances:
•
The development consists of the provision of 4 or fewer housing units; or,
•
Any number of units on land, the area of which is 0.1 hectares or less.
Output
Output of Part V housing has now gathered momentum, as planning permissions
which pre-dated the Planning and Development Acts 2000 - 2006 (and thus did not
have a Part V requirement) have been built out. In 2007, a total of 3,246 housing
units, namely 1,183 social and 2,063 affordable, were acquired under Part V
agreements with developers. To date over 7,600 homes have been delivered under
Part V, with annual delivery expected to increase in the coming years. In addition,
5,329 social and affordable units were under construction at the end of 2007 and a
further 2,565 units were proposed on foot of agreements with developers. Output
for each local authority is set out on page 76.
In 2007, 9 land transfers to local authorities were also completed involving 9.71
hectares; a further 122 partially or fully serviced sites have been transferred to local
authorities and voluntary and co-operative housing bodies; and €26.8 million has
been received in payments in lieu and under the withering levy. It is clear from the
returns that there has been activity in all of the city and county councils under at
least one of the options available for complying with Part V.
27
Social Housing
2003
2004
2005
2006
2007
• Local Authority
• Voluntary and Cooperative Housing sector
75
135
203
508
790
-
82
206
90
393
Total Social Housing
75
217
409
598
1,183
Affordable Housing
88
374
962
1,600
2,063
163
591
1,371
2,198
3,246
2
50
10
106
26
57
13
84
9
122
€0.8m
€0.3m
€7.4m
€2.4m
€16.5m
€3.0m
€35.4m
€3.5m
€24.3m
€2.5m
Total Social and Affordable
Land Transfers
Sites
Financial Contribution
• In lieu of housing
• S96 (b) withering levy
Additionally, payments in lieu, which are ring fenced for housing capital purposes
only, together with land and sites accruing from the take up of the alternative
options will further supplement the overall provision of social and affordable
housing.
Shared Ownership Scheme
A total of 7,565 households have benefited under the Shared Ownership Scheme in
the seven years 2000 to 2007. 180 households benefited in 2007. 893 transactions
were approved in principle in 2007 with a further 2,607applications received in that
year.
Output data for each local authority are set out at Page 77.
Affordable Housing (1999) Scheme
The 1999 affordable housing scheme involves local authorities providing newly built
houses at a discounted price on their own lands and allows the purchaser to benefit
from a loan of up to 97% of the house price. Since the launch of the 1999
Affordable Housing Scheme in the year 1999, 6,133 units have been provided. 869 of
these were provided in 2007. At the end of 2007 there were 1,494 houses in progress
and 2,883 new units proposed.
Output data for each local authority are set out at Page 77.
28
Affordable Housing Initiative (AHI)
Substantial progress has been made towards meeting the target of 10,000 Affordable
Housing Initiative units as outlined in Sustaining Progress. This Initiative is aimed at
those who in the past would have expected to purchase a house from their own
resources but find they are unable to do so in the current housing market. Over 80
sites have been identified on State or local authority owned lands.
By the end of 2007, 3,366 units had been provided under the Initiative, including
affordable housing made available through Part V arrangements. A further 697 units
were in progress at the end of 2007.
Summary of output under affordable housing schemes
Over 19,800 affordable homes were provided under the various schemes between
2000 and 2007.
Mortgage Allowance
The mortgage allowance scheme was introduced in 1991 to assist tenants or tenant
purchasers of local authority houses who surrender their property to the local
authority to become owner-occupiers of other dwellings. Eligibility was extended
in 1995 to tenants of dwellings provided by approved voluntary and co-operative
housing bodies under the rental subsidy scheme, who return their accommodation
to the body, thus making it available for re-letting. The current rate of the allowance
is €11,450.
29
In 2007, 237 new households benefited from this scheme. Some 55 of these households
moved from local authority housing to affordable scheme housing. Details of
transactions broken down by local authority are at page 78.
Tenant Purchase Scheme
1,231 dwellings were purchased under the Tenant Purchase Scheme in 2007; 2,909
applications to purchase were made and 2,436 sales were approved (Page 79 for
breakdown by local authority). The level of purchases under this scheme is subject to
fluctuation from year to year as the chart below indicates.
30
Section 7 - Social Housing Supports
Summary
A total of 9,061 (includes 796 RAS units) new units of social rented accommodation
were started or acquired in 2007, an increase of 17% on 2006. A further 10,620 social
housing units were in progress at the end of 2007.
Social Housing
Starts
•
6,061
6,988
7,768
2,204
1,685
2,852
796
796
-
9,061
9,469
10,620
Local authority social rented
Completions
In progress
at end 2007
accommodation including Part V
•
Voluntary & Co-operative housing
•
Rental Accommodation Scheme
(new supply)
Total social rented accommodation
(new supply)
Taking all measures into account, some 14,620 households in need of social housing
support had their needs met during 2007. Further detail on the various
programmes follows.
Local Authority Social Rented accommodation
The number of new housing units completed and acquired under the main local
authority housing construction and various regeneration programmes in 2007 was
6,988 units. This includes 790 units acquired under Part V arrangements.
Local Authority Housing
2003
2004
2005
2006
2007
Completions & Acquired
Part V
Regeneration (new units)
4,558
75
339
4,239
135
136
4,532
203
392
4,384
508
229
5,924
790
274
Total Local Authority
Social Housing
4,972
4,510
5,127
5,121
6,988
31
6,061 units of housing (including Part V) were started or acquired in 2007 and
construction work was in progress at the end of the year on 7,768 units.
(breakdown of 2007 output by local authority is available at pages 80 to 81).
Total expenditure on the main local authority housing and regeneration/remedial
works programmes in 2007, which excluded expenditure by local authorities from
their internal receipts, was over €1 billion.
Households accommodated from vacancies in existing Local Authority stock.
In 2007 3,350 new households were housed when units became vacant in existing
local authority housing stock. (page 83 for breakdown by local authority)
Improvement works in lieu of re-housing and extensions to local authority
houses.
Through improvement works in lieu of re-housing and extensions added to local
authority houses, a further 321 households had their housing needs addressed in
2007 (page 82 for breakdown by local authority). €12 million was spent on these
schemes in 2007.
Rental Accommodation Scheme
The Rental Accommodation Scheme (RAS) is designed to cater for the
accommodation needs of persons in receipt of rent supplement who have a longterm housing need. The scheme operated in all housing authorities and in some
cases the county council is managing the scheme for the county at large. RAS is at
the mid-point in its initial implementation period and, by the end of 2007, all
housing authorities have transferred cases from rent supplement to RAS.
Since September 2005 the pace of delivery has steadily increased and, by the end of
December 2007, 11,096 households with long-term housing need have been
accommodated in either voluntary and co-operative or private rental properties or
other social housing options:
•
•
•
2,846 in voluntary and co-operative accommodation;
2,910 in private-rented accommodation;
5,340 households have been allocated local authority housing.
A breakdown by local authority is available on page 86.
It is anticipated that at least 15,000 households will have been accommodated
through the scheme by the end of 2008. Overall, 796 units have been secured by
32
authorities principally under long-term leases during 2007. This is in addition to the
405 units acquired up to end December 2006.
Other Local Authority Social
Housing measures
2003
2004
2005
2006
2007
Vacancies in existing stock
Improvement works in lieu
Extensions to LA houses
Traveller accommodation10
Rental Accommodation
(households transferred)
3,795
151
203
228
3,445
140
178
192
3,490
121
194
162
3,509
114
226
211
3,350
67
254
199
-
-
5
828
2,077
Total
4,377
3,955
3,972
4,888
5,947
Total number of households
assisted through Local Authority
Social Housing measures
9,349
8,465
9,099
10,009
12,935
Stock maintenance and management.
Latest available data on the number of social housing units are for the year 2007,
and indicate that 114,133 social housing units were let by local authorities in that
year. The average weekly rent was €46.22 (Page 84 for further details)
The Department continued to fund major redevelopment and regeneration
programmes to improve the living environment of existing social housing tenants.
In 2007, some €165 million was made available to local authorities for regeneration
and social housing improvement measures. This includes regeneration and remedial
works with demolitions in Ballymun and work on the early stages of a number of
other regeneration projects.
In addition, some 5,000 households were assisted in 2007 through a new scheme
introduced in 2004 to provide central heating to local authority tenants. Since the
introduction of the scheme, some 20,000 households have been provided with
central heating. The programme is due to finish in 2008.
Voluntary and Co-operative Housing Sector
The Voluntary and co-operative housing sector provides social rental
accommodation for general family type needs and special needs housing for
categories of persons such as people with a disability, the older people and
homeless people.
10
Details in Section 8
33
The provision of social housing by the sector is funded under two separate schemes.
The Capital Assistance Scheme generally caters for special needs housing, while the
Capital Loan and Subsidy Scheme tends to be used to provide more family type
accommodation. To qualify for funding, a voluntary or co-operative housing body
must in the first instance obtain approved status from the Department. Approved
bodies work in partnership with the relevant local authority in providing social
rental accommodation.
Capital Assistance and Loan Subsidy Schemes
1,685 units of accommodation were provided by the Voluntary and Co-operative
housing sector in 2007, with assistance from the Department under the Capital
Assistance Scheme and Capital Loan and Subsidy Scheme. This included 393 units
acquired through Part V arrangements. Work was in progress on 2,852 units of
accommodation at the end of 2007 and a further 2,204 units were started (Page 85
for breakdown by local authority area). Expenditure on the voluntary and cooperative housing programme amounted to €276 million in 2007.
Voluntary & Co-operative Houses
2003
2004
2005
2006
2007
Capital Assistance
Capital Loan & Subsidy
Part V
1,018
599
-
626
899
82
621
523
206
709
441
90
593
699
393
Total Voluntary & Co-operative
Housing
1,617
1,607
1,350
1,240
1,685
Voluntary and Co-operative housing stock
There are currently around 23,000 units of accommodation owned and managed by
the voluntary and co-operative housing sector.
Low cost housing sites
A total of 79 sites were made available under this scheme in 2007. The scheme is
generally targeted at households who would otherwise benefit from social housing
measures, and is also used by Voluntary and Co-operative Housing bodies
providing houses under the Capital Assistance or Capital Loan and Subsidy
Schemes. The extent to which low cost sites can be made available by local
authorities is limited by the demands of their own building programme
requirements.
34
Special needs housing
As part of their social rented accommodation programme both local authorities and
the voluntary and co-operative housing sector are involved in responding to special
housing needs, delivering accommodation for the homeless, older people and
people with a disability. There are also specific funding programmes for the
provision of Traveller accommodation and to adapt private housing for the needs of
older people and people with a disability. Output under these schemes is detailed
in section 8 and 9.
35
Section 8 - Traveller Accommodation
In 2007, the Department continued to monitor the implementation of the 2005 to
2008 Traveller accommodation programmes. Capital expenditure of €35 million was
incurred on the provision of Traveller specific accommodation (group housing and
halting sites). In addition, current expenditure of €7.1 million was incurred in
respect of 90% of the salaries and travelling expenses of social workers employed by
local authorities and voluntary bodies in relation to the accommodation of
Travellers, and a percentage of the costs relating to the management and
maintenance of halting sites.
In 2007 there were 199 units of Traveller specific accommodation provided,
comprising of:
•
•
•
112 Halting Site Bays (new and refurbished)
77 Group Housing Units (new and refurbished)
10 Single Instance purchases
These figures do not include families accommodated in standard local authority
accommodation, or in other options, such as private rented accommodation.
In addition to funding for Traveller specific units, funding is also provided for :
•
Recoupment to local authorities of 50% of the cost of providing caravans to
Travellers in emergency cases. (In exceptional cases 100% funding has been
provided for special needs caravans or mobile homes);
•
Recoupment to local authorities of a special grant of €3,810 payable to
Travellers for the first-time purchase of a house;
•
Recoupment to local authorities of a special grant of 10% of the cost up to a
maximum of €640 to a Traveller family who are purchasing a caravan for the
first-time.
The Department will continue to encourage and assist local authorities in the
development and implementation of their Traveller accommodation programmes
and ensure that this expenditure results in Traveller specific accommodation of the
highest standard
36
Section 9 - Adaptation Grants for Older People and People with a
Disability
The Disabled Persons and Essential Repairs Grant schemes were replaced in
November, 2007, by a revised framework of adaptation grants to assist in the
maintenance of older people and people with a disability in their own homes.
Three new schemes were introduced, the Housing Adaptation Grant for People
With a Disability Scheme, the Mobility Aids Grant Scheme, and the Housing Aid for
Older People Scheme.
The Housing Adaptation Grant for People with a Disability Scheme replaces the
Disabled Persons Grant Scheme and assists in the carrying out of works that are
reasonably necessary for the purposes of rendering a house more suitable for the
accommodation needs of a person with a disability.
The Mobility Aids Grant Scheme is a fast-track scheme to cover a basic suite of
works to address mobility problems, primarily but not exclusively, associated with
ageing.
The Housing Aid for Older People Scheme amalgamates the provisions of the old
Essential Repairs Grant Scheme and the existing Special Housing Aid for the Elderly
schemes and provides grant aid to assist older people in carrying out necessary
repairs and improvements to their homes. The Scheme facilitates the
implementation of a Government Decision to transfer the Special Housing Aid for
the Elderly Scheme from the Health Service Executive to the local authority sector.
The Task Force on Special Housing Aid for the Elderly Scheme undertakes an
emergency programme to improve the housing conditions of older people living
alone in unfit or unsanitary accommodation. The scheme is operated at local level
by the Community Care Regions of the Health Service Executive and the work is
carried out by contract or under various FAS schemes.
37
Section 10 – Private Rented Housing
Under the Residential Tenancies Act 2004, the Private Residential Tenancies Board
(PRTB) is responsible for tenancy registration (other functions include dispute
resolution and the provision of information, research and policy advice).
Data on the number of tenancies registered with the PRTB on 31 December 2007 are
produced on page 94. The level of registration has increased significantly since this
function was transferred to the PRTB in 2004 and was further boosted by a
provision in the Finance Act 2006, linking certain landlord tax reliefs to registration.
Enforcement details are on page 93.
38
Section 11 – Capital Investment in Housing
Details of the amount of capital expenditure invested in housing are contained in
section 11. The value added contributed by housing construction is estimated to
have amounted to nearly €18 billion in 2007, contributing 11% of Ireland’s gross
national product.
39
Appendix I: Statistical Tables
Section 1:
Housing Activity
HOUSE COMPLETIONS BY SECTOR
Period
Social Housing
Local Authority
Voluntary & Co-operative
Houses
Houses
Private Houses
Total
2003
2004
2005
2006
2007
4,516
3,539
4,209
3,968
4,986
1,617
1,607
1,350
1,240
1,685
62,686
71,808
75,398
88,211
71,356
68,819
76,954
80,957
93,419
78,027
2006
Q1
Q2
Q3
Q4
570
956
870
1,572
184
416
333
307
21,140
20,633
21,368
25,070
21,894
22,005
22,571
26,949
2007
Q1
Q2
Q3
Q4
869
1,022
1,251
1,844
283
237
541
624
18,866
17,701
15,635
19,154
20,018
18,960
17,427
21,622
Annual Percentage Change
2004
2005
2006
2007
-21.6%
18.9%
-5.7%
25.7%
-0.6%
-16.0%
-8.1%
35.9%
14.6%
5.0%
17.0%
-19.1%
11.8%
5.2%
15.4%
-16.5%
2007
Q1
Q2
Q3
Q4
52.5%
6.9%
43.8%
17.3%
53.8%
-43.0%
62.5%
103.3%
-10.8%
-14.2%
-26.8%
-23.6%
-8.6%
-13.8%
-22.8%
-19.8%
Notes:-
(a)
(b)
(c)
40
Total house completions are based on the number of ESB domestic connections.
These figures do not take account of work in progress in housing construction. Due
to circumstances beyond the Department's control it has not been possible to obtain
a separate set of figures for the first two quarters of 2005.
Local authority house completions do not include second-hand houses acquired by
them. New units acquired under Part V of the Planning & Development Acts 20002006 for local authority rental purposes are included.
Voluntary & co-operative housing consists of housing provided under the capital
loan & subsidy and capital assistance schemes.
Section 1: Housing Activity
HOUSE COMPLETIONS BY AREA 2007
County Councils
(including Borough
& Town Councils)
Social Housing
Local Authority
Voluntary & Co-operative
Private
Total
Carlow
Cavan
Clare
181
20
78
74
14
24
888
2,074
2,184
1,143
2,108
2,286
Cork County
Cork City Council
Cork Total
294
159
453
154
30
184
7,029
1,020
8,049
7,477
1,209
8,686
Donegal
300
177
3,687
4,164
122
194
239
577
1,132
119
12
51
353
535
2,811
4,519
2,980
5,748
16,058
3,052
4,725
3,270
6,678
17,725
Galway County
Galway City Coucil
Galway Total
191
40
231
7
11
18
3,651
681
4,332
3,849
732
4,581
Kerry
Kildare
Kilkenny
Laois
Leitrim
177
209
82
226
4
69
44
36
31
0
2,432
2,865
1,426
1,920
971
2,678
3,118
1,544
2,177
975
Limerick County
Limerick City
Limerick Total
90
46
136
78
14
92
2,274
274
2,548
2,442
334
2,776
Longford
Louth
Mayo
Meath
Monaghan
Offaly
Roscommon
Sligo
92
170
148
228
78
67
68
102
4
51
69
47
6
6
11
14
1,483
1,433
2,225
2,152
958
1,144
1,345
1,153
1,579
1,654
2,442
2,427
1,042
1,217
1,424
1,269
North Tipperary
South Tipperary
Tipperary Total
44
125
169
14
75
89
983
1,090
2,073
1,041
1,290
2,331
Waterford County
Waterford City Council
Waterford Total
57
99
156
15
41
56
1,163
300
1,463
1,235
440
1,675
Westmeath
Wexford
Wicklow
72
264
143
15
8
11
1,621
2,922
1,550
1,708
3,194
1,704
400
400
71,356
78,027
D/Laoghaire-Rathdown
Fingal
South Dublin
Dublin City Council
Dublin Total
Conversions
TOTALS
Notes:-
4,986
(a)
(b)
(c)
(d)
1,685
Total house completions are based on the number of new dwellings connected by the ESB
to the electricity supply and may not accord precisely with local authority boundaries.
Local Authority includes new build under regeneration projects for Cork and Dublin City
Councils.
L. A. includes units acquired under Part V, Planning & Development Acts, 2000-2006 for
local authority rental purposes.
Voluntary & co-operative housing consists of housing provided under the capital loan and
subsidy and capital assistance schemes.
41
Section 1: Housing Activity
TOTAL & PRIVATE HOUSE COMPLETIONS - BY AREA
County Councils
(including Borough
and Town Councils)
Total House Completions
2003
2004
2005
2006
2007
2003
2004
2005
3006
2007
Carlow
Cavan
Clare
897
1,154
1,679
1,152
1,707
1,831
1,200
2,129
2,174
1,321
2,689
2,727
1,143
2,108
2,286
782
1,004
1,571
1,098
1,511
1,787
1,122
2,069
2,023
1,305
2,556
2,601
888
2,074
2,184
Cork County
Cork City Council
Cork Total
6,325
1,053
7,378
5,912
2,364
8,276
7,158
1,684
8,842
8,076
1,065
9,141
7,477
1,209
8,686
5,980
914
6,894
5,657
2,192
7,849
6,971
1,393
8,364
7,920
782
8,702
7,029
1,020
8,049
Donegal
3,120
2,812
3,667
4,387
4,164
2,848
2,521
3,311
4,172
3,687
1,777
7,734
2,769
4,530
16,810
1,867
5,672
3,456
7,024
18,019
2,472
5,863
3,389
7,746
19,470
3,052
4,725
3,270
6,678
17,725
1,662
6,744
2,042
2,518
12,966
1,599
7,401
2,469
4,037
15,506
1,804
5,556
3,125
6,110
16,595
D/Laoghaire-Rathdown 1,871
Fingal
7,019
South Dublin
2,134
Dublin City Council
3,370
Dublin Total
14,394
Private House Completions
2,404 2,811
5,575 4,519
2,812 2,980
7,223 5,748
18,014 16,058
Galway County
Galway City Council
Galway Total
3,170
2,305
5,475
3,392
1,549
4,941
3,537
1,126
4,663
4,512
1,275
5,787
3,849
732
4,581
3,042
1,927
4,969
3,199
1,465
4,664
3,347
1,060
4,407
4,396
1,198
5,594
3,651
681
4,332
Kerry
Kildare
Kilkenny
Laois
Leitrim
2,667
2,971
1,183
1,031
708
2,742
3,479
1,384
1,626
844
3,183
3,584
1,374
1,802
860
3,953
4,804
1,769
2,244
1,545
2,678
3,118
1,544
2,177
975
2,403
2,824
1,102
903
678
2,603
3,295
1,324
1,363
764
2,914
3,370
1,262
1,640
840
3,721
4,522
1,699
2,104
1,457
2,432
2,865
1,426
1,920
971
Limerick County
Limerick City Council
Limerick Total
1,835
1,150
2,985
1,782
1,324
3,106
2,182
961
3,143
2,624
389
3,013
2,442
334
2,776
1,647
1,131
2,778
1,669
1,291
2,960
2,025
881
2,906
2,492
361
2,853
2,274
274
2,548
Longford
Louth
Mayo
Meath
Monaghan
Offaly
Roscommon
Sligo
659
2,288
2,022
3,687
660
1,308
890
1,065
909
2,328
2,235
3,550
727
1,516
1,170
1,312
973
2,195
2,401
3,886
953
1,202
1,316
1,164
1,328
2,251
3,079
3,746
1,406
1,594
2,184
2,164
1,579
1,654
2,442
2,427
1,042
1,217
1,424
1,269
500
2,011
1,942
3,519
588
1,101
773
953
864
2,113
2,115
3,440
666
1,440
1,135
1,143
847
1,986
2,224
3,703
855
1,115
1,256
1,099
1,262
2,109
3,000
3,664
1,154
1,540
1,989
2,090
1,483
1,433
2,225
2,152
958
1,144
1,345
1,153
North Tipperary
South Tipperary
Tipperary Total
1,257
646
1,903
1,851
631
2,482
1,309
1,439
2,748
1,426
1,590
3,016
1,041
1,290
2,331
1,154
482
1,636
1,717
526
2,243
1,240
1,285
2,525
1,349
1,465
2,814
983
1,090
2,073
Waterford County
1,171
Waterford City Council 996
Waterford Total
2,167
1,248
1,123
2,371
1,369
555
1,924
1,511
828
2,339
1,235
440
1,675
1,079
788
1,867
1,194
1,078
2,272
1,344
483
1,827
1,377
756
2,133
1,163
300
1,463
Westmeath
Wexford
Wicklow
Conversions
1,585
2,743
1,800
400
2,125
3,043
2,076
400
1,634
3,180
2,341
400
1,704
3,391
1,967
400
1,708
3,194
1,704
400
1,480
2,524
1,670
400
1,979
2,765
1,988
400
1,541
3,049
2,148
400
1,666
3,264
1,826
400
1,621
2,922
1,550
400
68,819
76,954
80,957
93,419
78,027
62,686
71,808
75,398
TOTALS
88,211 71,356
Note:- Total house completions are based on the number of new dwellings connected by the ESB to the
electricity supply and may not accord precisely with local authority boundaries.
42
Section 1: Housing Activity
NEW HOUSES COMPLETED BY TYPE 2007
County Councils
(including Borough
and Town Councils)
Individual House
Carlow
Cavan
Clare
Scheme House
Apartments
Total
275
593
813
819
1,323
1,181
49
192
292
1,143
2,108
2,286
Cork County
Cork City Council
Cork Total
2,116
61
2,177
4,442
747
5,189
919
401
1,320
7,477
1,209
8,686
Donegal
1,651
2,243
270
4,164
D/Laoghaire-Rathdown
Fingal
South Dublin
Dublin City Council
Dublin Total
219
300
183
359
1,061
561
2,796
1,092
1,180
5,629
2,272
1,629
1,995
5,139
11,035
3,052
4,725
3,270
6,678
17,725
Galway County
Galway City Coucil
Galway Total
1,658
32
1,690
1,837
465
2,302
354
235
589
3,849
732
4,581
Kerry
Kildare
Kilkenny
Laois
Leitrim
1,130
565
580
343
372
1,203
1,898
730
1,761
536
345
655
234
73
67
2,678
3,118
1,544
2,177
975
656
10
666
1,671
42
1,713
115
282
397
2,442
334
2,776
382
486
1,141
626
438
425
609
467
918
921
988
1,135
436
691
716
661
279
247
313
666
168
101
99
141
1,579
1,654
2,442
2,427
1,042
1,217
1,424
1,269
North Tipperary
South Tipperary
Tipperary Total
485
394
879
507
866
1,373
49
30
79
1,041
1,290
2,331
Waterford County
Waterford City Council
Waterford Total
431
13
444
721
380
1,101
83
47
130
1,235
440
1,675
Westmeath
Wexford
Wicklow
459
995
396
898
1,801
1,107
351
398
201
1,708
3,194
1,704
19,663
39,273
18,691
77,627
Limerick County
Limerick City
Limerick Total
Longford
Louth
Mayo
Meath
Monaghan
Offaly
Roscommon
Sligo
TOTALS
Note:-
These data are based on the number of new dwellings connected by the ESB to the electricity
supply but exclude conversions and may not accord precisely with local authority boundaries.
43
Section 1: Housing Activity
NEW HOUSE GUARANTEE REGISTRATIONS
County Councils
(including City,
2007
Borough and Town
Councils)
2003
2004
2005
2006
Q1
Q2
Q3
Q4
Total
Carlow
719
847
938
936
418
211
92
26
747
Cavan
572
1,106
1,133
1,384
402
221
156
128
907
Clare
1,157
1,478
1,537
1,916
357
268
221
220
1,066
Cork
5,827
6,425
7,745
7,857
1,615
1,037
1,147
538
4,337
Donegal
1,078
913
990
1,391
376
271
241
154
1,042
Dublin
16,708
18,714
15,656
17,258
3,372
2,976
1,508
1,462
9,318
Galway
2,811
2,528
2,556
3,233
629
455
465
360
1,909
Kerry
1,272
1,762
2,012
1,746
378
438
173
243
1,232
Kildare
3,264
2,958
4,000
3,759
1,134
403
397
149
2,083
946
1,174
1,570
1,305
357
110
245
15
727
1,152
1,568
1,946
2,287
483
568
222
276
1,549
516
653
816
794
46
86
116
17
265
Limerick
3,197
2,316
2,185
2,563
577
408
252
198
1,435
Longford
419
708
609
1,608
140
101
16
22
279
Louth
1,763
1,453
1,523
1,097
332
127
318
132
909
Mayo
955
1,132
1,439
1,518
266
332
316
162
1,076
Meath
3,615
3,347
3,456
2,868
222
457
630
346
1,655
158
174
435
651
72
122
19
14
227
1,220
1,060
938
995
220
165
70
69
524
Roscommon
445
962
1,427
1,101
144
134
89
74
441
Sligo
765
956
1,213
1,489
155
376
86
209
826
Tipperary
1,411
1,885
1,949
2,158
703
480
571
157
1,911
Waterford
1,575
1,771
1,526
1,278
473
137
155
179
944
Westmeath
1,609
1,260
1,071
1,480
301
338
176
118
933
Wexford
1,584
2,152
2,178
2,596
365
389
283
130
1,167
Wicklow
2,121
1,480
1,436
1,381
214
221
159
248
842
TOTALS
56,859
60,782
62,284
66,649
13,751 10,831
8,123
5,646
38,351
Kilkenny
Laois
Leitrim
Monaghan
Offaly
Source:
44
Homebond and Premier Guarantee registrations.
Section 1: Housing Activity
COMMENCEMENT NOTICES DATA
Number of Notices
Total number
Of which, includes
Total number
Of which, includes
Received
of Residential
Single Houses
of residential
Single Houses
units Commenced
2006
2007
units Commenced
2006
2007
January
1,763
1,757
5,850
1,466
5,782
1,430
February
1,921
1,623
5,648
1,620
5,774
1,357
March
2,082
1,900
6,843
1,736
5,299
1,608
April
1,887
1,855
6,783
1,559
4,613
1,598
May
2,149
1,960
7,129
1,878
5,017
1,623
June
2,090
1,729
8,563
1,680
5,262
1,413
July
1,963
1,556
6,529
1,554
3,497
1,301
August
2,017
1,647
7,227
1,499
3,097
1,339
September
1,701
1,419
5,238
1,270
2,982
1,208
October
1,658
1,497
5,836
1,311
2,835
1,251
November
1,476
1,314
5,737
1,187
2,767
1,082
December
872
658
4,219
652
1,951
547
21,579
18,915
75,602
17,412
48,876
15,757
TOTALS
Note:-
Data have been collected on a monthly basis from Residential Commencement Notices, received
by all of the 37 Building Control Authorities.
This series started in January 2004.
45
Section 1: Housing Activity
SUPPLY OF HOUSING LAND
Survey of undeveloped housing zoned serviced land availability - 30 June 2007
Zoned serviced land
County & City Councils
No. of Housing Units
Carlow
Cavan
Clare
103
758
1,019
2,029
15,336
28,002
Cork County
Cork City Council
Cork Total
1,221
143
1,364
27,019
10,158
37,177
878
17,433
364
583
803
460
2,210
21,175
24,230
39,468
61,852
146,725
Galway County
Galway City Council
Galway Total
577
274
851
14,868
7,041
21,909
Kerry
Kildare
Kilkenny
Laois
Leitrim
734
629
518
104
60
16,907
13,519
11,415
3,324
1,211
Limerick County
Limerick City Council
Limerick Total
227
113
340
5,410
4,382
9,792
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
South Tipperary
129
217
339
252
875
174
842
80
629
854
3,458
7,567
7,634
8,482
18,278
3,856
21,364
1,690
16,320
21,677
Waterford County
Waterford City Council
Waterford Total
72
173
245
1,436
5,610
7,046
Westmeath
Wexford
Wicklow
314
380
202
11,055
10,287
6,444
15,100
469,937
Donegal
D/Laoghaire-Rathdown
Fingal
South Dublin
Dublin City Council
Dublin Total
TOTALS
Notes: (a)
(b)
46
Hectares
County figures include serviced land data for Borough Councils and Town Councils where
applicable.
Serviced land refers to land that has the necessary water, sewerage, transport or other services
required to bring the land into development and sufficient for planning permission to be
granted and construction to commence.
Section 2:
House Prices
NEW HOUSE PRICES AT LOAN APPROVAL STAGE BY AREA
Period
Whole Country
Dublin
Cork
Galway
Limerick
Waterford
Other Areas
€
€
€
€
€
€
€
2003
2004
2005
2006
2007
224,567
249,191
276,221
305,637
322,634
291,646
322,628
350,891
405,957
416,225
211,980
237,858
265,644
305,015
325,453
223,388
242,218
274,905
286,176
300,750
197,672
210,868
226,393
275,411
288,202
195,173
220,286
246,914
271,521
292,057
203,125
228,057
254,006
276,570
296,605
2005
Q1
Q2
Q3
Q4
264,472
275,394
275,810
287,134
342,304
346,683
351,263
361,242
255,027
268,938
262,000
275,468
265,291
282,475
277,394
273,334
213,717
220,321
226,019
243,861
238,619
233,445
243,200
270,968
242,197
252,075
256,012
263,524
2006
Q1
Q2
Q3
Q4
294,580
308,302
309,206
313,087
390,629
397,337
425,925
419,330
285,610
314,696
317,283
303,925
284,052
279,059
289,497
294,602
250,330
298,878
267,873
284,078
250,630
271,284
281,705
290,626
269,128
277,465
280,568
281,086
2007
Q1
Q2
Q3
Q4
320,969
331,947
319,214
314,333
417,800
426,900
412,324
402,346
322,364
334,160
332,265
310,160
304,215
325,147
281,270
275,796
276,361
290,135
285,534
311,956
285,823
305,560
293,174
278,517
293,826
306,712
293,265
288,500
Annual Percentage change
2004
2005
2006
2007
11.0%
10.8%
10.6%
5.6%
10.6%
8.8%
15.7%
2.5%
12.2%
11.7%
14.8%
6.7%
8.4%
13.5%
4.1%
5.1%
6.7%
7.4%
21.7%
4.6%
12.9%
12.1%
10.0%
7.6%
12.3%
11.4%
8.9%
7.2%
2007
Q1
Q2
Q3
Q4
9.0%
7.7%
3.2%
0.4%
7.0%
7.4%
-3.2%
-4.1%
12.9%
6.2%
4.7%
2.1%
7.1%
16.5%
-2.8%
-6.4%
10.4%
-2.9%
6.6%
9.8%
14.0%
12.6%
4.1%
-4.2%
9.2%
10.5%
4.5%
2.6%
6.1%
3.7%
-0.6%
-6.7%
3.3%
6.9%
-13.5%
-1.9%
-2.7%
5.0%
-1.6%
9.3%
-1.7%
6.9%
-4.1%
-5.0%
4.5%
4.4%
-4.4%
-1.6%
Percentage change on previous quarter
2007
Q1
Q2
Q3
Q4
2.5%
3.4%
-3.8%
-1.5%
-0.4%
2.2%
-3.4%
-2.4%
47
Section 2: House Prices
NEW HOUSE PRICES (EXCLUDING APARTMENTS) AT LOAN APPROVAL
STAGE BY AREA
Period
Whole Country
Dublin
Cork
Galway
Limerick
Waterford
Other Areas
€
€
€
€
€
€
€
2003
2004
2005
2006
2007
220,573
244,852
272,034
297,476
320,788
302,270
343,251
386,089
473,634
484,926
210,733
236,076
264,719
298,122
326,765
222,578
241,545
274,745
287,103
302,208
193,854
209,850
226,773
282,309
290,670
193,642
218,447
245,315
270,108
295,397
203,421
228,974
255,730
278,756
299,884
2005
Q1
Q2
Q3
Q4
259,341
270,944
272,265
284,207
364,284
375,241
383,944
424,082
254,506
267,631
261,971
273,687
262,232
283,660
280,217
271,542
212,593
222,734
227,742
243,928
236,641
230,236
241,506
273,067
243,520
253,547
257,663
266,244
2006
Q1
Q2
Q3
Q4
287,416
301,456
302,575
300,752
444,584
476,675
520,297
476,271
281,929
296,060
314,267
302,145
283,119
279,531
289,750
300,209
253,792
310,713
272,641
291,305
249,597
268,419
282,620
292,026
271,072
279,497
283,729
282,956
2007
Q1
Q2
Q3
Q4
319,997
329,474
319,649
309,246
488,785
503,721
503,825
433,217
322,050
334,319
335,823
314,097
309,977
320,547
284,662
278,681
281,231
290,252
287,638
312,761
287,913
308,703
294,890
286,137
297,201
310,940
295,336
291,235
Annual Percentage change
2004
2005
2006
2007
11.0%
11.1%
9.4%
7.8%
13.6%
12.5%
22.7%
2.4%
12.0%
12.1%
12.6%
9.6%
8.5%
13.7%
4.5%
5.3%
8.3%
8.1%
24.5%
3.0%
12.8%
12.3%
10.1%
9.4%
12.6%
11.7%
9.0%
7.6%
2007
Q1
Q2
Q3
Q4
11.3%
9.3%
5.6%
2.8%
9.9%
5.7%
-3.2%
-9.0%
14.2%
12.9%
6.9%
4.0%
9.5%
14.7%
-1.8%
-7.2%
10.8%
-6.6%
5.5%
7.4%
15.4%
15.0%
4.3%
-2.0%
9.6%
11.2%
4.1%
2.9%
6.6%
3.8%
0.4%
-6.5%
3.3%
3.4%
-11.2%
-2.1%
-3.5%
3.2%
-0.9%
8.7%
-1.4%
7.2%
-4.5%
-3.0%
5.0%
4.6%
-5.0%
-1.4%
Percentage change on previous quarter
2007
Q1
Q2
Q3
Q4
48
6.4%
3.0%
-3.0%
-3.3%
2.6%
3.1%
0.0%
-14.0%
Section 2: House Prices
NEW APARTMENT PRICES AT LOAN APPROVAL STAGE BY AREA
Period
Whole Country
Dublin
Cork
Galway
Limerick
Waterford
Other Areas
€
€
€
€
€
€
€
2003
2004
2005
2006
2007
250,235
271,016
293,232
326,216
330,662
274,347
299,667
323,116
369,638
367,893
229,976
251,942
271,960
327,814
314,594
231,084
248,041
276,527
279,657
286,389
221,717
217,585
224,873
236,975
265,817
223,468
237,372
264,456
283,325
252,203
198,214
215,978
236,170
251,849
261,846
2005
Q1
Q2
Q3
Q4
288,675
294,513
291,171
296,592
321,083
321,994
324,034
324,588
258,922
280,245
262,158
286,555
300,013
268,238
251,396
289,201
221,505
198,796
216,477
243,625
257,245
289,438
272,710
256,357
226,554
236,048
237,612
240,805
2006
Q1
Q2
Q3
Q4
320,181
329,044
332,457
326,366
360,619
357,207
385,372
384,962
304,750
364,957
325,834
309,948
290,648
275,075
288,293
260,858
233,687
220,782
238,429
260,476
263,328
313,935
271,183
285,311
251,979
260,602
252,173
241,842
2007
Q1
Q2
Q3
Q4
324,993
342,754
316,979
334,487
364,741
380,378
341,732
380,348
325,045
333,072
293,845
276,666
262,210
368,724
216,333
242,820
245,810
288,723
263,039
302,260
261,240
265,304
258,667
222,771
262,250
258,814
262,289
264,814
Annual Percentage change
2004
2005
2006
2007
8.3%
8.2%
11.2%
1.4%
9.2%
7.8%
14.4%
-0.5%
9.6%
7.9%
20.5%
-4.0%
7.3%
11.5%
1.1%
2.4%
-1.9%
3.3%
5.4%
12.2%
6.2%
11.4%
7.1%
-11.0%
9.0%
9.3%
6.6%
4.0%
2007
Q1
Q2
Q3
Q4
1.5%
4.2%
-4.7%
2.5%
1.1%
6.5%
-11.3%
-1.2%
6.7%
-8.7%
-9.8%
-10.7%
-9.8%
34.0%
-25.0%
-6.9%
5.2%
30.8%
10.3%
16.0%
-0.8%
-15.5%
-4.6%
-21.9%
4.1%
-0.7%
4.0%
9.5%
4.9%
2.5%
-11.8%
-5.8%
0.5%
40.6%
-41.3%
12.2%
-5.6%
17.5%
-8.9%
14.9%
-8.4%
1.6%
-2.5%
-13.9%
8.4%
-1.3%
1.3%
1.0%
Percentage change on previous quarter
2007
Q1
Q2
Q3
Q4
-0.4%
5.5%
-7.5%
5.5%
-5.3%
4.3%
-10.2%
11.3%
49
Section 2: House Prices
SECOND-HAND HOUSE PRICES AT LOAN APPROVAL STAGE BY AREA
Period
Whole Country
Dublin
Cork
Galway
Limerick
Waterford
Other Areas
€
€
€
€
€
€
€
2003
2004
2005
2006
2007
264,898
294,667
330,399
371,447
377,850
355,451
389,791
438,790
512,461
495,576
240,444
273,605
307,007
353,104
368,523
249,404
278,813
317,811
336,948
344,958
201,477
218,869
232,271
257,958
273,640
201,871
220,029
252,765
282,998
287,483
218,061
235,829
263,653
294,021
313,487
2005
Q1
Q2
Q3
Q4
304,839
332,151
327,864
351,530
402,698
440,520
430,220
475,430
280,106
306,369
309,484
325,577
301,122
311,748
322,827
331,164
211,667
241,643
236,914
234,393
240,497
248,647
255,589
265,458
243,651
262,180
267,035
277,102
2006
Q1
Q2
Q3
Q4
348,597
379,011
389,871
375,577
472,996
516,589
549,330
517,865
322,076
368,016
371,018
355,370
332,005
329,369
343,892
343,916
256,243
255,352
268,457
251,420
272,033
284,724
289,221
290,203
279,062
291,376
306,244
303,732
2007
Q1
Q2
Q3
Q4
379,874
386,989
374,392
366,912
516,211
507,544
489,749
462,806
374,714
357,379
372,774
372,294
340,756
342,397
368,864
324,968
267,257
260,796
291,091
279,348
294,777
285,151
284,476
284,782
301,850
331,315
308,733
308,339
Annual Percentage change
2004
2005
2006
2007
11.2%
12.1%
12.4%
1.7%
9.7%
12.6%
16.8%
-3.3%
13.8%
12.2%
15.0%
4.4%
11.8%
14.0%
6.0%
2.4%
8.6%
6.1%
11.1%
6.1%
9.0%
14.9%
12.0%
1.6%
8.1%
11.8%
11.5%
6.6%
2007
Q1
Q2
Q3
Q4
9.0%
2.1%
-4.0%
-2.3%
9.1%
-1.8%
-10.8%
-10.6%
16.3%
-2.9%
0.5%
4.8%
2.6%
4.0%
7.3%
-5.5%
4.3%
2.1%
8.4%
11.1%
8.4%
0.1%
-1.6%
-1.9%
8.2%
13.7%
0.8%
1.5%
5.4%
-4.6%
4.3%
-0.1%
-0.9%
0.5%
7.7%
-11.9%
6.3%
-2.4%
11.6%
-4.0%
1.6%
-3.3%
-0.2%
0.1%
-0.6%
9.8%
-6.8%
-0.1%
Percentage change on previous quarter
2007
Q1
Q2
Q3
Q4
50
1.1%
1.9%
-3.3%
-2.0%
-0.3%
-1.7%
-3.5%
-5.5%
Section 2: House Prices
SECOND-HAND HOUSE PRICES (EXCL. APARTMENTS) AT LOAN
APPROVAL STAGE BY AREA
Period
Whole Country
Dublin
Cork
Galway
Limerick
Waterford
Other Areas
€
€
€
€
€
€
€
2003
2004
2005
2006
2007
265,110
294,948
330,348
373,482
383,996
364,738
402,687
456,050
543,959
532,873
241,032
270,256
307,285
353,482
372,720
250,600
278,083
319,727
335,481
348,822
201,881
218,693
231,267
256,903
276,638
202,371
221,124
252,689
279,787
288,964
218,910
236,565
264,023
295,327
317,635
2005
Q1
Q2
Q3
Q4
305,730
333,279
327,971
349,606
418,750
459,461
446,626
494,049
279,670
304,386
312,253
326,392
304,673
310,908
327,641
332,241
212,343
246,299
229,540
233,396
241,153
249,139
256,066
263,425
244,549
263,474
267,531
276,074
2006
Q1
Q2
Q3
Q4
343,985
383,066
396,232
380,310
489,678
551,353
591,316
554,909
320,927
368,536
371,790
357,559
328,070
330,215
347,935
338,196
250,541
256,756
265,680
255,780
259,801
283,113
292,508
291,607
276,115
294,281
309,446
307,552
2007
Q1
Q2
Q3
Q4
384,882
393,511
379,500
374,782
555,163
543,785
527,396
498,278
379,557
361,229
375,341
378,303
343,323
345,245
375,679
328,340
272,256
261,560
293,960
283,081
298,147
283,340
287,169
286,790
304,355
336,764
312,306
313,296
Annual Percentage change
2004
2005
2006
2007
11.3%
12.0%
13.1%
2.8%
10.4%
13.3%
19.3%
-2.0%
12.1%
13.7%
15.0%
5.4%
11.0%
15.0%
4.9%
4.0%
8.3%
5.7%
11.1%
7.7%
9.3%
14.3%
10.7%
3.3%
8.1%
11.6%
11.9%
7.6%
2007
Q1
Q2
Q3
Q4
11.9%
2.7%
-4.2%
-1.5%
13.4%
-1.4%
-10.8%
-10.2%
18.3%
-2.0%
1.0%
5.8%
4.6%
4.6%
8.0%
-2.9%
8.7%
1.9%
10.6%
10.7%
14.8%
0.1%
-1.8%
-1.7%
10.2%
14.4%
0.9%
1.9%
6.2%
-4.8%
3.9%
0.8%
1.5%
0.6%
8.8%
-12.6%
6.4%
-3.9%
12.4%
-3.7%
2.2%
-5.0%
1.4%
-0.1%
-1.0%
10.6%
-7.3%
0.3%
Percentage change on previous quarter
2007
Q1
Q2
Q3
Q4
1.2%
2.2%
-3.6%
-1.2%
0.0%
-2.0%
-3.0%
-5.5%
51
Section 2: House Prices
SECOND-HAND APARTMENT PRICES AT LOAN APPROVAL STAGE BY AREA
Period
Whole Country
Dublin
Cork
Galway
Limerick
Waterford
Other Areas
€
€
€
€
€
€
€
2003
2004
2005
2006
2007
262,459
291,758
330,844
357,823
334,959
300,906
319,333
364,708
400,092
375,457
229,819
322,076
303,132
337,838
317,363
238,265
286,113
300,655
338,297
305,529
196,116
221,118
245,618
247,941
244,700
193,852
197,642
254,427
344,401
264,426
197,998
219,627
256,480
276,603
255,402
2005
Q1
Q2
Q3
Q4
296,633
321,866
326,904
366,418
328,239
354,078
359,464
405,302
285,987
337,627
269,838
315,601
266,332
319,730
282,142
322,097
203,755
182,180
347,835
247,920
226,559
237,116
244,285
304,700
224,665
235,499
257,079
294,150
2006
Q1
Q2
Q3
Q4
382,327
359,235
345,146
331,284
414,435
401,779
394,806
377,641
336,041
376,399
334,321
307,375
367,771
344,380
291,133
355,089
314,234
235,852
225,849
208,689
323,898
316,256
218,639
245,077
320,578
255,067
267,518
244,446
2007
Q1
Q2
Q3
Q4
344,499
338,349
336,265
320,235
388,064
383,234
372,993
355,475
316,356
299,048
331,864
324,473
316,938
315,610
292,477
284,809
221,114
252,236
250,492
256,946
237,674
312,977
243,950
255,031
265,762
253,039
248,028
253,714
Annual Percentage change
2004
2005
2006
2007
11.2%
13.4%
8.2%
-6.4%
6.1%
14.2%
9.7%
-6.2%
40.1%
-5.9%
11.4%
-6.1%
20.1%
5.1%
12.5%
-9.7%
12.7%
11.1%
0.9%
-1.3%
2.0%
28.7%
35.4%
-23.2%
10.9%
16.8%
7.8%
-7.7%
2007
Q1
Q2
Q3
Q4
-9.9%
-5.8%
-2.6%
-3.3%
-6.4%
-4.6%
-5.5%
-5.9%
-5.9%
-20.6%
-0.7%
5.6%
-13.8%
-8.4%
0.5%
-19.8%
-29.6%
6.9%
10.9%
23.1%
-26.6%
-1.0%
11.6%
4.1%
-17.1%
-0.8%
-7.3%
3.8%
2.9%
-5.5%
11.0%
-2.2%
-10.7%
-0.4%
-7.3%
-2.6%
6.0%
14.1%
-0.7%
2.6%
-3.0%
31.7%
-22.1%
4.5%
8.7%
-4.8%
-2.0%
2.3%
Percentage change on previous quarter
2007
Q1
Q2
Q3
Q4
52
4.0%
-1.8%
-0.6%
-4.8%
2.8%
-1.2%
-2.7%
-4.7%
Section 2: House Prices
RANGES OF HOUSE PRICES - WHOLE COUNTRY
Year
Not exceeding
€200,000
%
€200,001 to
€250,000
%
€250,001 to
€300,000
%
€300,001 to
€350,000
%
€350,001 to
€400,000
%
€400,001 to Exceeding
€500,000
€500,000
%
%
NEW HOUSES
2004
2005 ( r )
2006 ( r )
2007
42
28
21
14
23
23
21
17
16
19
19
17
8
12
14
13
5
7
9
11
4
6
9
11
3
5
7
17
32
22
15
12
21
20
15
14
17
18
16
16
10
13
16
17
6
8
12
13
6
8
11
12
7
11
15
17
36
25
18
13
22
22
18
15
17
19
17
16
9
13
15
15
6
8
11
12
5
7
10
11
5
8
12
17
SECOND - HAND HOUSES
2004
2005 ( r )
2006 ( r )
2007
ALL HOUSES
2004
2005 ( r )
2006 ( r )
2007
(r ) Revised
Note:
These house prices have been derived from an analysis of mortgage loan payments data as supplied
by mortgage lenders and only refers to the year in which the loan was drawndown.
53
Section 2: House Prices
RANGES OF HOUSE PRICES - WHOLE COUNTRY
FIRST TIME BUYERS ONLY
Year
Not exceeding
€200,000
%
€200,001 to
€250,000
%
€250,001 to
€300,000
%
€300,001 to
€350,000
%
€350,001 to
€400,000
%
€400,001 to Exceeding
€500,000
€500,000
%
%
NEW HOUSES
2004
2005
2006
2007
50
34
26
22
25
27
25
23
15
20
20
20
6
10
14
13
2
5
8
10
1
3
6
7
1
1
3
5
45
29
21
17
23
26
20
18
17
21
21
21
7
14
20
21
4
6
10
12
2
3
5
7
1
2
3
4
48
32
24
20
24
26
22
21
16
21
21
20
7
12
16
16
3
5
9
11
2
3
6
7
1
2
3
5
SECOND - HAND HOUSES
2004
2005
2006
2007
ALL HOUSES
2004
2005
2006
2007
FORMER OWNER OCCUPIER ONLY *
Year
Not exceeding
€200,000
%
€200,001 to
€250,000
%
€250,001 to
€300,000
%
€300,001 to
€350,000
%
€350,001 to
€400,000
%
€400,001 to Exceeding
€500,000
€500,000
%
%
NEW HOUSES
2004
2005
2006
2007
36
23
17
9
22
21
19
13
16
19
18
15
10
13
14
13
7
8
10
12
6
8
12
13
4
8
11
25
27
19
13
10
21
18
13
12
17
17
14
14
11
13
15
15
7
9
12
13
7
10
13
14
10
14
20
22
31
21
15
10
21
19
16
12
17
18
16
14
10
13
15
14
7
9
11
13
7
9
12
14
8
12
16
24
SECOND - HAND HOUSES
2004
2005
2006
2007
ALL HOUSES
2004
2005
2006
2007
* ‘Former owner occupier' also includes residential investors.
Note:
54
These house prices have been derived from an analysis of mortgage loan payments data as supplied
by mortgage lenders and only refers to the year in which the loan was drawndown.
Section 2: House Prices
RANGES OF HOUSE PRICES - DUBLIN ONLY
Year
Not exceeding
€200,000
%
€200,001 to
€250,000
%
€250,001 to
€300,000
%
€300,001 to
€350,000
%
€350,001 to
€400,000
%
€400,001 to Exceeding
€500,000
€500,000
%
%
NEW HOUSES
2004
2005 ( r )
2006 ( r )
2007
9
4
5
5
23
17
8
7
27
28
18
11
18
19
19
14
10
12
16
17
7
11
17
18
7
10
16
27
6
3
1
1
19
13
4
2
23
19
10
8
16
19
20
18
11
13
18
19
10
13
18
19
15
21
30
33
7
3
3
3
20
14
5
4
24
22
13
10
16
19
20
16
11
12
17
18
9
12
17
19
12
17
25
31
SECOND - HAND HOUSES
2004
2005 ( r )
2006 ( r )
2007
ALL HOUSES
2004
2005 ( r )
2006 ( r )
2007
(r ) Revised
Note:
Note: These house prices have been derived from an analysis of mortgage loan payments data as
supplied by mortgage lenders and only refers to the year in which the loan was drawndown.
55
Section 2: House Prices
RANGES OF HOUSE PRICES - DUBLIN ONLY
FIRST TIME BUYERS ONLY
Year
Not exceeding
€200,000
%
€200,001 to
€250,000
%
€250,001 to
€300,000
%
€300,001 to
€350,000
%
€350,001 to
€400,000
%
€400,001 to Exceeding
€500,000
€500,000
%
%
NEW HOUSES
2004
2005
2006
2007
13
5
9
10
29
21
11
15
32
35
23
18
16
20
22
16
6
10
16
18
3
7
12
15
1
3
6
8
10
5
2
2
27
18
6
4
31
27
16
14
15
26
32
30
9
12
22
25
5
7
13
15
3
5
9
11
11
5
6
6
28
19
8
9
31
31
19
16
16
23
27
23
8
11
19
22
4
7
13
15
2
4
8
9
SECOND - HAND HOUSES
2004
2005
2006
2007
ALL HOUSES
2004
2005
2006
2007
FORMER OWNER OCCUPIER ONLY *
Year
Not exceeding
€200,000
%
€200,001 to
€250,000
%
€250,001 to
€300,000
%
€300,001 to
€350,000
%
€350,001 to
€400,000
%
€400,001 to Exceeding
€500,000
€500,000
%
%
NEW HOUSES
2004
2005
2006
2007
6
3
1
1
18
13
6
2
22
23
15
7
19
19
17
13
13
13
16
16
11
15
21
20
11
16
24
41
5
2
1
1
16
11
3
2
21
15
8
6
16
16
15
13
12
13
16
16
12
15
19
21
20
28
38
42
5
2
1
1
17
11
4
2
21
17
10
6
17
17
16
13
12
13
16
16
12
15
20
21
17
24
34
42
SECOND - HAND HOUSES
2004
2005
2006
2007
ALL HOUSES
2004
2005
2006
2007
* ‘Former owner occupier' also includes residential investors.
Note:
56
Note: These house prices have been derived from an analysis of mortgage loan payments data as
supplied by mortgage lenders and only refers to the year in which the loan was drawndown.
Section 2: House Prices
NATIONAL HOUSE BUILDING COST INDEX
BASE: JANUARY 1991 = 100
Month
2003
2004
2005
2006
2007
January
174.2
179.6
184.7
189.9
198.8
February
174.5
179.7
184.8
190.1
198.8
March
174.5
179.9
184.9
190.6
199.4
April
177.3
179.9
186.5
194.0
200.0
May
177.3
180.0
186.6
194.2
200.1
June
177.4
180.2
186.6
194.3
200.3
July
177.1
181.1
186.7
194.4
203.7
August
177.2
182.2
186.9
194.5
203.6
September
177.2
182.2
186.9
194.6
203.7
October
177.2
183.9
189.5
197.7
203.8
November
177.2
184.2
189.4
198.0
203.8
December
177.2
184.2
189.7
198.1
204.2
Yearly
176.5
181.5
186.9
194.2
201.7
2.7%
2.8%
3.0%
3.9%
3.9%
average
Increase on
previous year
1. The index relates to costs ruling on the first day of each month.
2. The index relates solely to labour and material costs which should normally not exceed 65% of the total price
of a house. It does not include items such as overheads, profit, interest charges, land development etc.
57
Section 3:
Housing Loans
HOUSING LOANS APPROVED
Period
New Houses
Number
Value €m
Second-hand Houses
Number
Value €m
Totals
Number
Value €m
2003
2004
2005
2006
2007
39,676
50,018
58,104
53,895
40,497
6968.2
9750.0
12971.0
13994.7
10560.4
58,212
54,287
61,933
60,698
48,250
10477.8
11269.2
14782.3
17387.5
13503.7
97,888
104,305
120,037
114,593
88,747
17446.1
21019.2
27753.3
31382.2
24064.1
2005
Q1
Q2
Q3
Q4
12,227
15,617
15,311
14,949
2555.4
3447.1
3428.2
3540.3
12,268
17,045
17,080
15,540
2651.5
4079.7
4124.4
3926.7
24,495
32,662
32,391
30,489
5207.0
7526.8
7552.6
7467.0
2006
Q1
Q2
Q3
Q4
14,604
16,814
11,148
11,329
3457.4
4187.0
3142.9
3207.4
16,899
18,404
13,691
11,704
4254.0
4904.6
4418.5
3810.3
31,503
35,218
24,839
23,033
7711.5
9091.6
7561.5
7017.7
2007
Q1
Q2
Q3
Q4
12,132
11,219
8,949
8,197
3065.0
2964.1
2358.8
2172.5
12,466
13,996
11,345
10,443
3382.2
3828.0
3244.7
3048.8
24,598
25,215
20,294
18,640
6447.2
6792.1
5603.5
5221.3
Annual Percentage Change
2004
2005
2006
2007
26.1%
16.2%
-7.2%
-24.9%
39.9%
33.0%
7.9%
-24.5%
-6.7%
14.1%
-2.0%
-20.5%
7.6%
31.2%
17.6%
-22.3%
6.6%
15.1%
-4.5%
-22.6%
20.5%
32.0%
13.1%
-23.3%
2007
Q1
Q2
Q3
Q4
-16.9%
-33.3%
-19.7%
-27.6%
-11.3%
-29.2%
-24.9%
-32.3%
-26.2%
-24.0%
-17.1%
-10.8%
-20.5%
-22.0%
-26.6%
-20.0%
-21.9%
-28.4%
-18.3%
-19.1%
-16.4%
-25.3%
-25.9%
-25.6%
6.5%
12.3%
-18.9%
-8.0%
-11.2%
13.2%
-15.2%
-6.0%
6.8%
2.5%
-19.5%
-8.2%
-8.1%
5.3%
-17.5%
-6.8%
Percentage change on previous quarter
2007
Q1
Q2
Q3
Q4
58
7.1%
-7.5%
-20.2%
-8.4%
-4.4%
-3.3%
-20.4%
-7.9%
Section 3: Housing Loans
HOUSING LOANS PAID
Period
New Houses
Number
Value €m
Second-hand Houses
Number
Value €m
Totals
Number
Value €m
2003
2004
2005
2006
35,292
44,231
53,758
55,737
5398.1
7416.0
9689.8
11001.5
49,457
54,478
53,922
55,516
8125.7
9517.2
11,846.0
14,493.8
84,749
98,709
107,680
111,253
13523.7
16933.2
21535.8
25495.2
2005
Q1
Q2
Q3
Q4
10,861
13,313
13,982
15,602
1847.0
2321.0
2524.9
2996.9
10,168
13,727
14,933
15,094
1989.3
2846.4
3436.3
3574.0
21,029
27,040
28,915
30,696
3836.3
5167.4
5961.2
6570.9
2006
Q1
Q2
Q3
Q4
13,470
14,599
13,534
14,134
2503.3
2648.8
2798.4
3051.0
12,357
14,223
15,024
13,912
2842.3
3383.6
4285.0
3982.9
25,827
28,822
28,558
28,046
5345.6
6032.4
7083.4
7033.9
Annual percentage change
2004
2005
2006
25.3%
21.5%
3.7%
37.4%
30.7%
13.5%
10.2%
-1.0%
3.0%
17.1%
24.5%
22.4%
16.5%
9.1%
3.3%
25.2%
27.2%
18.4%
2006
Q1
Q2
Q3
Q4
24.0%
9.7%
-3.2%
-9.4%
35.5%
14.1%
10.8%
1.8%
21.5%
3.6%
0.6%
-7.8%
42.9%
18.9%
24.7%
11.4%
22.8%
6.6%
-1.2%
-8.6%
39.3%
16.7%
18.8%
7.0%
-18.1%
15.1%
5.6%
-7.4%
-20.5%
19.0%
26.6%
-7.1%
-15.9%
11.6%
-0.9%
-1.8%
-18.6%
12.8%
17.4%
-0.7%
Percentage change on previous quarter
2006
Q1
Q2
Q3
Q4
-13.7%
8.4%
-7.3%
4.4%
-16.5%
5.8%
5.6%
9.0%
59
Section 3: Housing Loans
HOUSING LOANS PAID STATS FROM IBF
Period
New Houses
Number
Value €m
Second-hand Houses
Number
Value €m
Totals
Number
Value €m
2007
46,522
11644.9
37,672
10804.1
84,194
22449.0
Q1
Q2
Q3
Q4
9,898
12,564
12,643
11,417
2278.0
3114.4
3250.7
3001.8
11,068
9,522
9,235
7,847
3054.0
2683.6
2760.3
2306.2
20,966
22,086
21,878
19,264
5332.0
5798.0
6011.0
5308.0
In addition, 92 loans to the value of €7.8 million were paid out by Local Authorities in 2007. (66 new houses,
value €4.5m: 26 other houses, value €3.3m)
From 2007 the source of data for loans paid is the IBF/PwC Mortgage Market Profile and is not directly
comparable with 2006 data.
60
Section 3: Housing Loans
RANGES OF LOANS PAID - WHOLE COUNTRY
Year
Not exceeding
€100,000
%
€100,001 to
€150,000
%
€150,001 to
€200,000
%
€200,001 to
€250,000
%
€250,001 to
€300,000
%
€300,001 to Exceeding
€400,000 €400,000
%
%
ALL HOUSES
2004
2005
2006
2007
15
11
9
8
23
17
13
12
27
26
22
20
17
19
19
19
9
13
15
16
6
9
14
16
3
5
8
9
FIRST TIME BUYERS ONLY
Year
Not exceeding
€100,000
%
€100,001 to
€150,000
%
€150,001 to
€200,000
%
€200,001 to
€250,000
%
€250,001 to
€300,000
%
€300,001 to Exceeding
€400,000 €400,000
%
%
ALL HOUSES
2004
2005
2006
2007
9
6
4
4
24
15
11
10
34
30
25
23
20
24
23
23
9
16
18
19
4
8
16
18
1
2
4
4
FORMER OWNER OCCUPIER ONLY *
Year
Not exceeding
€100,000
%
€100,001 to
€150,000
%
€150,001 to
€200,000
%
€200,001 to
€250,000
%
€250,001 to
€300,000
%
€300,001 to Exceeding
€400,000 €400,000
%
%
ALL HOUSES
2004
2005
2006
2007
19
14
11
10
23
18
14
13
24
23
21
19
15
17
17
17
9
12
14
15
6
10
13
15
4
7
10
11
* ‘Former owner occupier' also includes residential investors.
Note:
Ranges of loans paid have been derived from an analysis of mortgage loan payments data as
supplied by mortgage lenders and only refers to the year in which the loan was drawndown.
61
Section 3: Housing Loans
RANGES OF LOANS PAID - DUBLIN AREA
Year
Not exceeding
€100,000
%
€100,001 to
€150,000
%
€150,001 to
€200,000
%
€200,001 to
€250,000
%
€250,001 to
€300,000
%
€300,001 to Exceeding
€400,000 €400,000
%
%
ALL HOUSES
2004
2005
2006
2007
8
5
5
4
9
6
5
5
20
14
9
10
25
22
14
13
18
22
20
18
13
19
28
29
8
13
19
21
FIRST TIME BUYERS ONLY
Year
Not exceeding
€100,000
%
€100,001 to
€150,000
%
€150,001 to
€200,000
%
€200,001 to
€250,000
%
€250,001 to
€300,000
%
€300,001 to Exceeding
€400,000 €400,000
%
%
ALL HOUSES
2004
2005
2006
2007
2
1
1
1
5
3
4
3
21
12
8
10
36
27
14
14
22
31
24
21
12
20
38
39
3
5
12
12
FORMER OWNER OCCUPIER ONLY *
Year
Not exceeding
€100,000
%
€100,001 to
€150,000
%
€150,001 to
€200,000
%
€200,001 to
€250,000
%
€250,001 to
€300,000
%
€300,001 to Exceeding
€400,000 €400,000
%
%
ALL HOUSES
2004
2005
2006
2007
10
7
7
6
11
7
6
6
19
15
10
10
20
18
14
12
16
17
18
17
13
18
23
25
* Former owner occupier' also includes residential investors.
Note:
62
Ranges of loans paid have been derived from an analysis of mortgage loan payments data as
supplied by mortgage lenders and only refers to the year in which the loan was drawndown.
11
17
23
25
Section 3: Housing Loans
RANGES OF LOAN TO VALUE - WHOLE COUNTRY
Year
Up to
70%
71% to
80%
81% to
90%
91% to
95%
96%
99%
100%
ALL HOUSES
2004
2005
2006
2007
35
34
34
40
14
14
14
12
24
21
19
17
21
23
16
15
1
1
2
4
5
8
15
12
FIRST TIME BUYERS ONLY
Year
Up to
70%
71% to
80%
17
16
16
19
8
7
6
7
81% to
90%
91% to
95%
96%
99%
100%
ALL HOUSES
2004
2005
2006
2007
23
15
12
12
46
47
27
28
1
2
5
9
6
13
34
26
FORMER OWNER OCCUPIER ONLY *
Year
Up to
70%
71% to
80%
81% to
90%
91% to
95%
96%
99%
100%
1
1
1
1
4
5
6
5
ALL HOUSES
2004
2005
2006
2007
45
43
44
50
18
17
18
15
24
24
23
20
9
11
9
9
* ‘Former owner occupier' also includes residential investors.
Note:
Ranges of loan values have been derived from an analysis of mortgage loan payments data as
supplied by mortgage lenders and only refers to the year in which the loan was drawndown.
63
Section 3: Housing Loans
RANGES OF LOAN TO VALUE - DUBLIN AREA
Year
Up to
70%
71% to
80%
81% to
90%
91% to
95%
96%
99%
100%
ALL HOUSES
2004
2005
2006
2007
34
30
33
38
14
14
14
12
24
21
19
18
24
27
17
17
1
1
3
5
4
7
14
10
FIRST TIME BUYERS ONLY
Year
Up to
70%
71% to
80%
11
11
10
14
6
6
6
6
81% to
90%
91% to
95%
96%
99%
100%
ALL HOUSES
2004
2005
2006
2007
24
16
13
14
53
53
32
33
1
2
8
13
5
13
31
21
FORMER OWNER OCCUPIER ONLY *
Year
Up to
70%
71% to
80%
81% to
90%
91% to
95%
96%
99%
100%
1
1
1
1
3
4
5
5
ALL HOUSES
2004
2005
2006
2007
44
40
44
50
18
18
18
16
23
25
22
19
10
12
10
9
* ‘Former owner occupier' also includes residential investors.
Note:
64
Note: Ranges of loan values have been derived from an analysis of mortgage loan payments data
as supplied by mortgage lenders and only refers to the year in which the loan was drawndown
Section 3: Housing Loans
RANGES OF LOAN TERMS - WHOLE COUNTRY
Year
Up to
20 years
21 to
25 years
26 to
30 years
31 to
35 years
36+
years
ALL HOUSES
2004
2005
2006
2007
31
25
23
23
31
27
25
23
28
26
21
19
10
21
29
33
0
2
2
2
FIRST TIME BUYERS ONLY
Year
Up to
20 years
21 to
25 years
26 to
30 years
31 to
35 years
36+
years
ALL HOUSES
2004
2005
2006
2007
12
8
6
6
23
15
11
10
43
33
24
19
22
41
56
61
1
3
4
3
FORMER OWNER OCCUPIER ONLY *
Year
Up to
20 years
21 to
25 years
26 to
30 years
31 to
35 years
36+
years
ALL HOUSES
2004
2005
2006
2007
41
35
32
31
34
33
33
30
20
21
20
20
5
10
14
18
1
1
1
2
* ‘Former owner occupier' also includes residential investors.
Note:
Ranges of loan terms have been derived from an analysis of mortgage loan payments data as
supplied by mortgage lenders and only refers to the year in which the loan was drawndown.
65
Section 3: Housing Loans
RANGES OF LOAN TERMS - DUBLIN AREA
Year
Up to
20 years
21 to
25 years
26 to
30 years
31 to
35 years
36+
years
ALL HOUSES
2004
2005
2006
2007
25
20
18
19
28
25
24
21
33
28
21
18
14
26
35
39
0
2
3
3
FIRST TIME BUYERS ONLY
Year
Up to
20 years
21 to
25 years
26 to
30 years
31 to
35 years
36+
years
ALL HOUSES
2004
2005
2006
2007
7
4
3
3
15
10
7
6
49
33
21
16
28
48
65
71
1
5
5
4
FORMER OWNER OCCUPIER ONLY *
Year
Up to
20 years
21 to
25 years
26 to
30 years
31 to
35 years
36+
years
ALL HOUSES
2004
2005
2006
2007
33
29
26
27
34
33
32
29
26
25
21
19
7
13
19
22
1
1
1
2
* ‘Former owner occupier' also includes residential investors.
Note:
66
Ranges of loan terms have been derived from an analysis of mortgage loan payments data as
supplied by mortgage lenders and only refers to the year in which the loan was drawndown.
Section 4:
Profile of Borrowers
OWNERSHIP STATUS OF BORROWERS
WHOLE COUNTY
Year
DUBLIN
First time buyer
Other
First time buyers
Other
%
%
%
%
44
43
43
38
56
57
57
62
45
46
46
41
55
55
54
59
26
29
29
30
74
71
72
70
26
30
28
30
74
70
72
70
34
36
35
34
66
64
65
66
32
35
34
35
68
65
66
66
NEW HOUSES
2004
2005 ( r )
2006 ( r )
2007
SECOND - HAND HOUSES
2004
2005 ( r )
2006 ( r )
2007
ALL HOUSES
2004
2005 ( r )
2006 ( r )
2007
(r ) Revised
Note:
Ownership status have been derived from an analysis of mortgage loan payments data as
supplied by mortgage lenders and only refers to the year in which the loan was drawndown.
67
Section 4: Profile of Borrowers
RANGES OF AGES - WHOLE COUNTRY
FIRST TIME BUYERS ONLY
Year
Up to
25 years
%
26 to
30 years
%
31 to
35 years
%
36 to
40 years
%
41 to
45 years
%
46+
years
%
19
18
19
18
41
40
40
40
24
24
23
23
10
10
10
10
4
4
4
5
3
4
4
4
ALL HOUSES
2004
2005
2006
2007
FORMER OWNER OCCUPIER ONLY*
Year
Up to
25 years
%
26 to
30 years
%
31 to
35 years
%
36 to
40 years
%
41 to
45 years
%
46+
years
%
16
15
15
16
24
23
23
23
20
20
20
20
15
15
15
15
21
23
24
23
ALL HOUSES
2004
2005
2006
2007
5
4
4
4
* ‘Former owner occupier' also includes residential investors.
Note:
68
Ranges of ages have been derived from an analysis of mortgage loan payments data as supplied
by mortgage lenders and only refers to the year in which the loan was drawndown.
Section 4: Profile of Borrowers
RANGES OF AGES - DUBLIN AREA
FIRST TIME BUYERS ONLY
Year
Up to
25 years
%
26 to
30 years
%
31 to
35 years
%
36 to
40 years
%
41 to
45 years
%
46+
years
%
18
16
16
17
43
42
42
42
25
26
25
23
8
9
10
10
3
3
4
4
3
3
3
4
ALL HOUSES
2004
2005
2006
2007
FORMER OWNER OCCUPIER ONLY*
Year
Up to
25 years
%
26 to
30 years
%
31 to
35 years
%
36 to
40 years
%
41 to
45 years
%
46+
years
%
17
17
17
16
26
25
24
23
19
20
19
18
14
13
13
13
20
22
23
25
ALL HOUSES
2004
2005
2006
2007
5
4
5
5
* ‘Former owner occupier' also includes residential investors.
Note:
Ranges of ages have been derived from an analysis of mortgage loan payments data as supplied
by mortgage lenders and only refers to the year in which the loan was drawndown.
69
Section 4: Profile of Borrowers
RANGES OF INCOME OF BORROWERS - WHOLE COUNTRY
Year
Not exceeding
€40,001 to
€50,001 to
€60,001 to
€70,001 to
Exceeding
€40,000
€50,000
€60,000
€70,000
€80,000
€80,000
%
%
%
%
%
%
ALL HOUSES
Based on Combined Incomes of Borrowers
2004
8
14
18
16
12
31
2005
6
13
17
16
13
35
2006
4
11
15
16
14
40
2007
3
9
14
16
14
45
FIRST TIME BUYERS ONLY
Year
Not exceeding
€40,001 to
€50,001 to
€60,001 to
€70,001 to
Exceeding
€40,000
€50,000
€60,000
€70,000
€80,000
€80,000
%
%
%
%
%
%
ALL HOUSES
Based on Combined Incomes of Borrowers
2004
9
20
25
20
12
15
2005
7
18
23
21
13
18
2006
5
15
20
21
16
23
2007
4
13
22
21
16
24
FORMER OWNER OCCUPIER ONLY*
Year
Not exceeding
€40,001 to
€50,001 to
€60,001 to
€70,001 to
Exceeding
€40,000
€50,000
€60,000
€70,000
€80,000
€80,000
%
%
%
%
%
%
ALL HOUSES
Based on Combined Incomes of Borrowers
2004
7
12
15
14
13
39
2005
6
9
13
14
12
46
2006
4
8
11
13
12
53
2007
3
6
11
13
13
54
* 'Former owner occupier' also includes residential investors.
Note:
70
Ranges of incomes have been derived from an analysis of mortgage loan payments data as
supplied by mortgage lenders and only refers to the year in which the loan was drawndown.
Section 4: Profile of Borrowers
RANGES OF INCOME OF BORROWERS - DUBLIN AREA
Year
Not exceeding
€40,001 to
€50,001 to
€60,001 to
€70,001 to
Exceeding
€40,000
€50,000
€60,000
€70,000
€80,000
€80,000
%
%
%
%
%
%
ALL HOUSES
Based on Combined Incomes of Borrowers
2004
4
8
15
15
13
46
2005
3
7
13
15
13
49
2006
2
5
10
15
15
54
2007
1
4
9
13
14
59
FIRST TIME BUYERS ONLY
Year
Not exceeding
€40,001 to
€50,001 to
€60,001 to
€70,001 to
Exceeding
€40,000
€50,000
€60,000
€70,000
€80,000
€80,000
%
%
%
%
%
%
ALL HOUSES
Based on Combined Incomes of Borrowers
2004
3
10
22
23
16
27
2005
2
9
19
24
17
30
2006
1
6
14
22
20
37
2007
1
6
15
20
19
40
FORMER OWNER OCCUPIER ONLY*
Year
Not exceeding
€40,001 to
€50,001 to
€60,001 to
€70,001 to
Exceeding
€40,000
€50,000
€60,000
€70,000
€80,000
€80,000
%
%
%
%
%
%
ALL HOUSES
Based on Combined Incomes of Borrowers
2004
3
7
11
12
13
54
2005
3
5
9
11
11
61
2006
2
4
7
10
11
67
2007
1
3
6
10
11
69
* 'Former owner occupier' also includes residential investors.
Note:
Ranges of incomes have been derived from an analysis of mortgage loan payments data as
supplied by mortgage lenders and only refers to the year in which the loan was drawndown.
71
Section 5:
Housing Support
TOTAL SOCIAL AND AFFORDABLE HOUSING PROVISION 2007
Local
Total Local
Voluntary &
RAS; Extensions/
Houses
Authority
Co-operative
Improvement
available
rented
Housing
Social &
Completions &
Housing
works in lieu
for rent
accommodation
(including
Affordable
provision
Authority
Acquisitions
Carlow Co Co
from
existing
(see footnote)
stock
Affordable
Total
mortgage
Housing
allowance)
provision
141
74
18
15
248
41
289
Carlow T.C.
89
0
5
6
100
0
100
Total Carlow
230
74
23
21
348
41
389
Cavan Co Co
21
14
20
33
88
21
109
Cavan T.C.
0
0
0
0
0
0
0
Total Cavan
21
14
20
33
88
21
109
Clare Co Co
58
24
64
58
204
37
241
Ennis T.C.
51
0
0
25
76
0
76
Kilrush T.C.
7
0
2
0
9
6
15
Total Clare
116
24
66
83
289
43
332
Cork City
435
30
121
203
789
134
923
90
154
24
90
358
96
454
Cork North Co Co.
Fermoy T.C.
4
0
0
5
9
0
9
Mallow T.C.
9
0
5
9
23
0
23
Total Cork North
103
154
29
104
390
96
486
Cork South Co Co
221
0
37
65
323
428
751
3
0
0
6
9
0
9
Cobh T.C.
Kinsale T.C.
0
0
0
6
6
0
6
Macroom T.C.
7
0
0
4
11
0
11
Midleton T.C.
0
0
0
3
3
0
3
Youghal T.C.
3
0
0
10
13
0
13
Total Cork South
234
0
37
94
365
428
793
Cork West Co Co
20
0
0
36
56
9
65
Clonakilty T.C.
13
0
1
3
17
10
27
Skibbereen T.C.
5
0
0
1
6
0
6
Total Cork West
38
0
1
40
79
19
98
Donegal Co Co
261
177
50
109
597
69
666
Buncrana T.C.
40
0
0
7
47
0
47
Bundoran T.C.
2
0
0
2
4
0
4
Letterkenny T.C.
Total Donegal
72
of re-housing:
Traveller Units
Total Social
7
0
0
27
34
0
34
310
177
50
145
682
69
751
Section 5: Housing Support
Local
Total Local
Voluntary &
RAS; Extensions/
Houses
Total Social
Affordable
Total
Authority
Authority
Co-operative
Improvement
available
rented
Housing
Social &
Completions &
Housing
Acquisitions
works in lieu
for rent
accommodation
(including
Affordable
of re-housing:
from
provision
mortgage
Housing
Traveller Units
existing
allowance)
provision
(see footnote)
stock
Dublin City
903
353
341
481
2,078
672
2,750
D/L-Rathdown
123
119
113
68
423
152
575
Fingal
200
12
91
84
387
390
777
South Dublin
392
51
158
139
740
299
1,039
Galway City
176
11
192
46
425
54
479
Galway Co Co
234
7
43
58
342
23
365
Ballinasloe T.C.
6
0
0
22
28
10
38
Total Galway
240
7
43
80
370
33
403
Kerry Co Co
126
69
148
107
450
39
489
Killarney T.C.
8
0
1
3
12
0
12
Listowel T.C.
6
0
0
12
18
3
21
Tralee T.C.
88
0
0
43
131
2
133
Total Kerry
228
69
149
165
611
44
655
Kildare Co Co
267
44
77
80
468
189
657
Athy T.C.
10
0
0
9
19
0
19
Naas T.C.
0
0
1
12
13
0
13
Total Kildare
277
44
78
101
500
189
689
Kilkenny Co Co
119
36
56
17
228
48
276
16
0
3
37
56
0
56
242
31
43
37
353
142
495
Leitrim Co Co
4
0
5
40
49
1
50
Limerick City
164
14
120
157
455
17
472
Limerick Co Co
125
78
60
65
328
20
348
Longford Co Co
138
4
64
74
280
19
299
14
0
1
24
39
5
44
152
4
65
98
319
24
343
Kilkenny Borough
Laois Co Co
Longford T.C.
Total Longford
73
Section 5: Housing Support
Local
Total Local
Voluntary &
RAS; Extensions/
Houses
Total Social
Affordable
Total
Authority
Authority
Co-operative
Improvement
available
rented
Housing
Social &
Completions &
Housing
Acquisitions
Louth Co Co
51
for rent
accommodation
(including
Affordable
from
provision
mortgage
Housing
Traveller Units
existing
allowance)
provision
(see footnote)
stock
59
15
257
18
275
Dundalk T.C.
96
0
0
75
171
34
205
Total Louth
228
51
59
90
428
52
480
Drogheda Borough
27
0
0
22
49
0
49
Mayo Co Co
80
69
66
49
264
38
302
Ballina T.C.
Castlebar T.C.
3
0
0
6
9
13
22
60
0
0
7
67
0
67
Westport T.C.
12
0
0
2
14
2
16
Total Mayo
155
69
66
64
354
53
407
Meath Co Co
263
47
60
45
415
100
515
Kells T.C.
0
0
0
6
6
0
6
Navan T. C.
0
0
0
27
27
0
27
Trim T.C.
Total Meath
Monaghan Co Co
0
0
0
5
5
0
5
263
47
60
83
453
100
553
77
6
0
33
116
22
138
Carrickmacross T.C.
2
0
0
6
8
0
8
Catsleblaney T.C.
0
0
0
7
7
0
7
Clones T.C.
4
0
0
2
6
0
6
21
0
0
25
46
0
46
104
6
0
73
183
22
205
Offaly Co Co
65
6
44
17
132
30
162
Birr T.C.
18
0
1
7
26
2
28
Monaghan T.C.
Total Monaghan
74
132
works in lieu
of re-housing:
Tullamore T.C.
14
0
0
11
25
0
25
Total Offaly
97
6
45
35
183
32
215
Roscommon Co Co
73
11
66
36
186
1
187
Sligo Co Co
91
14
35
37
177
29
206
Sligo Borough
60
0
1
41
102
11
113
Tipperary Nth Co Co
56
14
79
27
176
13
189
Nenagh T.C.
3
0
4
3
10
1
11
Templemore T.C.
0
0
0
6
6
0
6
Thurles T.C.
11
0
1
13
25
5
30
Total Tipperary Nth
70
14
84
49
217
19
236
Section 5: Housing Support
Local
Total Local
Voluntary &
RAS; Extensions/
Houses
Total Social
Affordable
Total
Authority
Authority
Co-operative
Improvement
available
rented
Housing
Social &
Completions &
Housing
Acquisitions
Tipperary Sth Co Co
62
75
works in lieu
for rent
accommodation
(including
Affordable
of re-housing:
from
provision
mortgage
Housing
Traveller Units
existing
allowance)
provision
(see footnote)
stock
61
46
244
54
298
Carrick-on-suir T.C.
17
0
1
13
31
0
31
Cashel T.C.
12
0
4
3
19
0
19
Tipperary T.C.
Total Tipperary Sth
Clonmel Borough
Waterford City
Waterford Co Co
35
0
0
23
58
0
58
126
75
66
85
352
54
406
12
0
0
28
40
25
65
172
41
62
31
306
91
397
60
15
13
25
113
19
132
Dungarvan T.C.
27
0
6
23
56
1
57
Total Waterford Co
87
15
19
48
169
20
189
Westmeath Co Co
99
15
73
54
241
66
307
Athlone T.C.
7
0
0
26
33
0
33
Total Westmeath
106
15
73
80
274
66
340
Wexford Co Co
232
8
48
66
354
137
491
Enniscorthy T.C.
44
0
1
17
62
2
64
0
0
0
5
5
0
5
276
8
49
88
421
139
560
27
0
2
25
54
4
58
134
11
42
53
240
61
301
0
0
0
14
14
0
14
Newross T.C.
Total Wexford
Wexford Borough
Wicklow Co Co
Arklow T.C.
Bray T.C.
Wicklow T.C.
Total Wicklow
TOTALS
Notes:-
23
0
2
20
45
6
51
9
0
2
10
21
0
21
166
11
46
97
320
67
387
6,988
1,685
2,597
3,350
14,620
3,721
18,341
Affordable Housing includes 1999 Affordable Housing, AHI, AHP, Part V Affordable, Shared Ownership
and Mortgage Allowance.
Voluntary and co-operative housing consists of housing provided under the capital loan & subsidy and
capital assistance schemes.
Figures include 2,077 tenants who transferred to private landlords under the Rental Accommodation
Scheme ( RAS ) and 133 new and 66 refurbished traveller accommodation units.
75
Section 6:
Paths to Home Ownership including
Part V Activity
PART V, PLANNING AND DEVELOPMENT ACTS 2000 - 2006
YEAR 2007
County Councils
Affordable Housing
Social Housing
(including
Borough &
No. of units:-
Town Councils)
Total Output
Local Authority
Voluntary & Co-operative
No. of units:-
No. of units:-
in
in
acquired progress proposed* acquired
No. of units:-
in
progress proposed* acquired
in
progress proposed* acquired progress proposed*
Carlow
6
20
12
4
9
6
2
0
53
12
29
71
Cavan
14
21
29
0
0
0
0
0
0
14
21
29
Clare
35
36
4
0
0
0
0
0
0
35
36
4
152
Cork County
361
414
130
96
107
5
0
35
17
457
556
Cork City
78
6
6
0
0
0
0
0
0
78
6
6
Cork Total
439
420
136
96
107
5
0
35
17
535
562
158
24
20
0
25
12
0
0
0
0
49
32
0
Donegal
D/L.-Rathdown
116
151
85
12
25
85
98
77
0
226
253
170
Fingal
165
407
614
36
15
0
0
12
0
201
434
614
South Dublin
184
500
103
63
114
8
38
139
0
285
753
111
Dublin City
467
390
0
127
437
0
188
4
40
782
831
40
Dublin Total
932
1,448
802
238
591
93
324
232
40
1,494
2,271
935
Galway County
25
57
22
21
27
25
0
0
0
46
84
47
Galway City
11
92
0
11
92
114
0
18
0
22
202
114
Galway Total
36
149
22
32
119
139
0
18
0
68
286
161
Kerry
28
43
1
17
25
4
14
2
0
59
70
5
110
250
6
38
108
2
35
18
39
183
376
47
Kilkenny
26
74
18
39
157
35
0
4
0
65
235
53
Laois
28
85
88
35
78
48
0
6
0
63
169
136
0
2
0
0
0
12
0
0
0
0
2
12
25
Kildare
Leitrim
Limerick County
11
16
25
0
0
0
0
5
0
11
21
Limerick City
3
2
0
0
0
0
2
0
0
5
2
0
Limerick Total
14
18
25
0
0
0
2
5
0
16
23
25
Longford
20
40
53
0
0
0
0
0
0
20
40
53
Louth
26
82
30
12
25
10
16
2
77
54
109
117
44
Mayo
31
24
44
0
0
0
0
0
0
31
24
Meath
63
218
0
5
7
0
0
16
0
68
241
0
0
0
13
26
39
38
0
62
0
26
101
51
Monaghan
North Tipperary
Offaly
Roscommon
8
39
15
7
14
12
0
60
0
15
113
27
29
23
44
30
30
49
0
6
20
59
59
113
0
37
0
0
13
0
0
0
0
0
50
0
Sligo
26
41
11
33
42
16
0
14
0
59
97
27
South Tipperary
63
64
83
58
47
101
0
0
36
121
111
220
Waterford County
19
51
151
20
56
95
0
0
0
39
107
246
Waterford City
25
4
0
17
8
0
0
0
0
42
12
0
Waterford Total
44
55
151
37
64
95
0
0
0
81
119
246
Westmeath
25
21
16
6
30
8
0
0
2
31
51
26
Wexford
14
18
0
17
11
3
0
0
0
31
29
3
Wicklow
22
45
0
35
11
2
0
17
0
57
73
2
TOTALS
2,063
3,293
1,603
790
1,539
678
393
497
284
3,246
5,329
2,565
Note:-
In addition, 241 units were also delivered directly under AHI in 2007 (Fingal-54: South Dublin-59: Wexford Co Co-26: Cork City -52
and Waterford City-50)
A further 186 units were delivered through the Affordable Homes Partnership in 2007 (Fingal - 62; South Dublin - 34; Dublin City -
76
28; Meath - 28; Kildare 12; Wicklow - 22).
* No. of units proposed on foot of aggreements that have been entered into at 31 December 2007 but not yet started.
Section 6: Paths to Home Ownership including Part V Activity
SHARED OWNERSHIP AND AFFORDABLE HOUSING SCHEMES - BY AREA
2007
County
Councils
(including
Borough and
Town Councils)
Carlow
Cavan
Clare
Shared Ownership
Affordable Housing (1999 Scheme)
No. of:No. of houses:transactions
approvals in applications
provided
in progress
proposed
completed principle issued received
at
at
but transactions
31 Dec 2007 31 Dec 2007
not yet completed
0
1
2
0
2
5
7
9
16
34
0
1
0
0
11
16
0
16
32
2
32
61
21
79
93
47
138
133
0
111
266
37
303
143
174
317
9
13
41
24
16
7
D/L-Rathdown
Fingal
South Dublin
Dublin City
Dublin Total
0
0
0
42
42
1
565
0
41
607
1
1,809
0
202
2,012
36
109
18
130
293
0
311
0
307
618
66
278
0
1,631
1,975
Galway County
Galway City
Galway Total
0
0
0
3
0
3
4
3
7
0
41
41
13
30
43
0
25
25
6
27
11
15
0
6
114
5
9
1
31
163
15
17
3
2
36
6
96
0
30
47
8
16
0
14
47
8
52
0
Limerick County
Limerick City
Limerick Total
1
3
4
0
0
0
8
3
11
0
7
7
0
18
18
10
0
10
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
South Tipperary
1
0
1
3
1
3
1
1
3
6
1
0
0
4
1
15
1
0
11
6
8
3
1
15
2
28
6
9
19
3
0
26
12
0
20
0
0
0
6
0
0
94
60
32
0
0
22
0
0
0
0
148
11
0
0
24
40
0
0
0
Waterford County
Waterford City
Waterford Total
0
8
8
0
6
6
0
15
15
0
0
0
32
0
32
0
0
0
Westmeath
Wexford
Wicklow
0
1
0
0
1
0
24
1
1
16
93
23
45
44
55
57
77
39
180
893
2,607
869
1,494
2,883
Cork County
Cork City
Cork Total
Donegal
Kerry
Kildare
Kilkenny
Laois
Leitrim
TOTALS
Note:- The figures for Affordable Housing exclude Part V, Planning and Development Acts 2000 - 2006.
77
Section 6: Paths to Home Ownership including Part V Activity
MORTGAGE ALLOWANCE SCHEME - 2007
County Councils
(incl. Borough &
Town Councils)
Number of
houses surrendered
Carlow
Cavan
Clare
No. of applications
received
4
6
5
3
0
0
5
0
8
11
6
10
Cork County
Cork City
Cork Total
29
5
34
12
3
15
18
3
21
37
5
5
Donegal
12
0
5
14
D/Laoghaire-Rathdown
Fingal
South Dublin
Dublin City
Dublin Total
0
0
8
9
17
0
0
4
4
8
0
2
0
0
2
0
2
8
9
19
Galway County
Galway City
Galway Total
9
7
16
1
5
6
9
6
15
14
6
20
Kerry
Kildare
Kilkenny
Laois
Leitrim
10
7
5
5
1
2
3
0
2
0
10
0
5
1
2
9
14
6
6
3
Limerick County
Limerick City
Limerick Total
9
4
13
1
0
1
6
2
8
9
4
13
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
South Tipperary
3
1
9
9
1
8
4
0
5
13
0
1
0
3
0
0
2
0
0
3
3
1
9
4
0
10
4
0
5
0
3
2
11
9
1
14
6
1
12
13
Waterford County
Waterford City
Waterford Total
3
9
12
2
1
3
5
0
5
3
9
12
Westmeath
Wexford
Wicklow
25
12
0
0
3
0
3
4
0
8
19
1
237
55
130
285
TOTALS
78
Of which, No. of No. of final approvals
houses surrendered
issued but houses
for affordable
not yet surendered
Schemes
Section 6: Paths to Home Ownership including Part V Activity
SALE OF LOCAL AUTHORITY HOUSES
County
Councils (incl.
Borough and
Town Councils)
Carlow
Cavan
Clare
Cork
Donegal
D/L.-Rathdown
Fingal
Galway
Kerry
Kildare
Kilkenny
Laois
Leitrim
Limerick
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
South Dublin
South Tipperary
Waterford
Westmeath
Wexford
Wicklow
City Councils
Cork
Dublin
Galway
Limerick
Waterford
TOTALS
Sales completed
Sales
completed
Sales
Applications
approved*
received
2003
2004
2005
2006
2007
34
30
32
63
42
30
34
67
115
30
72
22
13
36
12
43
107
37
16
32
26
16
22
93
69
21
4
103
50
18
33
44
64
48
40
34
76
115
29
51
25
10
44
35
51
85
34
31
28
24
19
26
110
44
34
6
109
75
31
43
32
73
60
51
44
65
106
30
57
32
25
52
26
53
94
38
26
33
42
28
15
109
39
36
34
98
38
39
39
25
69
126
43
44
52
90
23
43
30
28
38
33
83
98
39
38
42
57
29
25
107
52
30
40
61
70
18
25
23
45
64
12
17
59
71
42
35
27
14
33
33
56
61
22
9
26
34
20
13
93
28
8
15
76
36
41
97
49
98
175
60
19
73
107
77
50
26
26
59
52
105
125
60
13
65
54
65
46
88
59
47
51
172
54
47
107
56
120
203
75
31
103
169
74
77
50
40
76
58
136
150
98
24
43
73
66
55
161
43
48
68
200
73
56
135
38
13
54
70
161
15
29
35
82
171
11
24
40
66
223
20
20
33
35
134
12
13
22
43
236
44
57
43
59
203
52
31
40
1,567
1,652
1,738
1,855
1,231
2,436
2,909
Note:- * i.e. Letter issued by housing authority to tenant offering sale of dwelling.
79
Section 7:
Social Housing Supports
LOCAL AUTHORITY HOUSING OUTPUT NEW BUILD
AND ACQUISITIONS BY AREA
County Councils
Completions
**Completed
Acquisitions
*Acquired **Commenced
(including
Borough &
Town Councils)
In
progress
at
2003
2004
2005
2006
2003
2004
2005
2006
2007
31 Dec 07
Carlow
111
54
48
16
6
16
40
13
181
49
2
9
Cavan
100
196
57
117
2
4
0
22
20
1
70
192
Clare
84
19
112
96
19
53
37
18
78
38
174
204
Cork
270
168
167
90
60
113
114
65
294
81
383
470
Donegal
181
164
306
215
5
13
29
53
300
10
169
282
D/L.-Rathdown
180
50
15
33
4
1
1
1
122
1
28
154
Fingal
248
175
95
143
0
0
7
4
194
6
220
297
85
93
129
79
14
26
25
50
191
49
108
128
Kerry
253
106
215
218
1
55
58
82
177
51
222
272
Kildare
107
104
170
172
27
11
15
14
209
68
158
277
Kilkenny
40
51
62
62
9
40
23
61
82
53
64
179
Laois
54
203
162
51
3
21
30
27
226
16
64
114
Leitrim
25
80
20
47
0
2
3
1
4
0
32
48
155
53
89
107
4
15
17
16
90
35
60
102
Galway
Limerick
Longford
64
41
122
61
12
27
51
51
92
60
77
146
Louth
172
126
137
127
2
44
27
79
170
85
39
275
Mayo
64
97
134
70
1
2
4
7
148
7
74
151
Meath
160
99
183
82
5
1
7
0
228
35
50
65
Monaghan
40
56
47
151
13
5
1
5
78
26
68
49
North Tipperary
65
131
69
67
2
10
8
22
44
26
60
53
Offaly
127
29
82
54
3
11
24
14
67
30
39
143
Roscommon
81
105
22
46
195
4
5
12
10
68
5
37
Sligo
94
127
65
74
15
33
28
31
102
49
56
79
South Dublin
61
244
261
428
3
20
9
20
239
153
130
624
South Tipperary
123
78
136
39
0
10
3
3
125
13
171
198
Waterford
74
54
25
108
0
19
38
42
57
30
83
127
Westmeath
100
113
27
37
1
25
25
20
72
34
122
165
Wexford
151
185
128
127
9
21
19
24
264
39
47
189
Wicklow
130
88
163
126
4
5
8
15
143
23
229
404
City Councils
Cork #
62
172
168
187
53
109
95
103
159
276
187
415
Dublin #
531
278
583
436
157
219
116
194
577
326
566
1,480
Galway
320
25
52
70
0
9
2
28
40
136
82
109
Limerick
16
32
62
19
17
26
25
28
46
118
19
25
Waterford
164
26
72
64
1
0
17
30
99
73
169
262
4,516
3,539
4,209
3,968
456
971
918
1,153
4,986
2,002
4,059
7,768
TOTALS
Notes:-
#
includes new build under regeneration projects for 2002 to 2007.
*
acquisitions by local authorities of second-hand houses.
**
includes units acquired under Part V, Planning and Development Acts 2000-2006 for local authority rental purposes.
In 2007 a further 796 new units have been acquired on long-term lease under the Rental Accommodation Scheme.
80
Section 7: Social Housing Supports
LOCAL AUTHORITY HOUSING OUTPUT NEW BUILD AND
ACQUISITIONS 2007
Breakdown by County Council, City Council, Borough Council and Town Council
County
Councils
(only)
**Completed
Carlow
Cavan
Clare
Cork(North)
Cork(South)
Cork(West)
Donegal
D/L.-Rathdown
Fingal
Galway
Kerry
Kildare
Kilkenny
Laois
Leitrim
Limerick
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
South Dublin
South Tipperary
Waterford
Westmeath
Wexford
Wicklow
Total (1)
*Acquired
**Commenced
128
20
37
90
181
14
260
122
194
185
126
199
82
226
4
90
92
96
77
228
68
37
39
68
73
239
54
45
72
206
120
3,472
13
1
21
0
40
6
1
1
6
49
0
68
37
16
0
35
46
36
3
35
9
19
26
5
18
153
8
15
27
26
14
734
0
70
59
134
151
68
109
28
220
108
90
142
50
64
32
60
5
27
15
50
33
21
27
37
56
130
122
77
81
40
208
2,314
City
Councils
Cork #
Dublin #
Galway
Limerick
Waterford
Total (2)
159
577
40
46
99
921
276
326
136
118
73
929
187
566
82
19
169
1,023
Borough
Councils
Clonmel
Drogheda
Kilkenny
Sligo
Wexford
Total (3)
12
0
0
29
18
59
0
27
16
31
9
83
12
0
14
0
7
33
Notes: #
*
**
Town
Councils **Completed
Arklow
0
Athlone
0
Athy
10
Ballina
2
Ballinasloe
6
Birr
14
Bray
19
Buncrana
40
Bundoran
0
Carlow
53
Carrickmacross
0
Carrick-on -Suir
12
Cashel
12
Castlebar
59
Castleblayney
0
Cavan
0
Clonakilty
6
Clones
4
Cobh
0
Dundalk
74
Dungarvan
12
Ennis
37
Enniscorthy
40
Fermoy
0
Kells
0
Killarney
0
Kilrush
4
Kinsale
0
Letterkenny
0
Listowel
0
Longford
0
Macroom
0
Mallow
0
Midleton
0
Monaghan
6
Naas
0
Navan
0
Nenagh
3
New Ross
0
Skibbereen
0
Templemore
0
Thurles
4
Tipperary
35
Tralee
51
Trim
0
Tullamore
14
Westport
10
Wicklow
4
Youghal
3
Total (4)
534
TOTAL (1+2+3+4)4,986
*Acquired
0
7
0
1
0
4
4
0
2
36
2
5
0
1
0
0
7
0
3
22
15
14
4
4
0
8
3
0
7
6
14
7
9
0
15
0
0
0
0
5
0
7
0
37
0
0
2
5
0
256
2,002
**Commenced
0
41
16
0
0
12
21
0
0
2
0
4
12
59
0
0
16
16
2
12
6
92
0
3
0
60
23
0
60
10
72
0
0
0
19
0
0
35
0
4
0
4
21
62
0
0
0
0
5
689
4,059
includes new build under regeneration projects for 2002 to 2007.
acquisitions by local authorities of second-hand houses.
includes units acquired under Part V, Planning and Development Acts 2000-2006 for local authority rental
purposes.
In 2007 a further 796 properties have been acquired on long-term lease under the Rental
Accommodation Scheme.
81
Section 7: Social Housing Supports
IMPROVEMENT WORKS IN LIEU OF RE-HOUSING AND EXTENSIONS TO
LOCAL AUTHORITY HOUSES
County
Improvement works in lieu of re-housing
Extensions to Local Authority Houses
(incl. Borough
No of houses:-
No of extensions:-
and Town
completed in progress commenced
Councils
Councils)
in 2007
approved
at
at
but not
31 Dec 07
31 Dec 07
commenced
completed in progress commenced
in 2007
approved
at
at
but not
31 Dec 07
31 Dec 07
commenced
Carlow
1
1
1
0
8
5
11
0
Cavan
2
2
1
3
3
2
1
1
Clare
2
3
3
3
3
5
4
6
Cork
5
10
6
2
21
5
17
11
Donegal
5
7
9
6
4
9
10
12
D/L.-Rathdown
0
0
0
0
7
2
9
2
Fingal
0
0
0
0
0
0
0
0
Galway
6
11
8
5
11
3
9
10
Kerry
3
1
2
3
5
2
5
6
Kildare
0
0
0
0
7
5
9
2
Kilkenny
0
0
0
2
5
5
5
6
Laois
7
1
4
2
10
4
14
2
Leitrim
3
1
0
0
1
5
0
0
Limerick
3
4
7
1
0
0
0
1
Longford
1
0
2
1
3
2
3
3
Louth
0
0
0
0
7
0
7
8
Mayo
1
3
3
5
3
2
2
2
Meath
2
0
0
1
7
4
8
6
Monaghan
0
0
0
0
0
0
0
1
North Tipperary
1
0
0
0
11
7
14
15
Offaly
0
2
1
3
6
0
4
3
Roscommon
1
2
1
4
2
4
4
0
Sligo
8
12
10
4
3
5
6
4
South Dublin
0
0
0
1
0
13
0
0
South Tipperary
1
1
1
3
5
6
7
8
Waterford
0
1
1
0
7
3
8
4
Westmeath
1
1
2
0
4
5
2
0
Wexford
5
11
4
1
10
4
14
8
Wicklow
0
0
0
0
5
9
6
4
0
0
0
0
40
91
26
3
City Councils
Cork
82
Dublin
7
1
5
0
46
37
53
54
Galway
1
0
1
0
7
3
10
3
Limerick
1
6
7
1
3
8
9
0
Waterford
0
0
0
3
0
0
0
1
TOTALS
67
81
79
54
254
255
277
186
Section 7: Social Housing Supports
LOCAL AUTHORITY CASUAL VACANCIES 2007
Breakdown by County Council, City Council, Borough Council and Town Council.
County Councils only
Carlow
Cavan
Clare
Cork (North)
Cork (South)
Cork (West)
Donegal
Dun Laoghaire-Rathdown
Fingal
Galway
Kerry
Kildare
Kilkenny
Laois
Leitrim
Limerick
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
South Dublin
South Tipperary
Waterford
Westmeath
Wexford
Wicklow
Total (1)
Town Councils
15
33
58
90
65
36
109
68
84
58
107
80
17
37
40
65
74
15
49
45
33
27
17
36
37
139
46
25
54
66
53
1,678
City
Councils
Cork
Dublin
Galway
Limerick
Waterford
Total (2)
203
481
46
157
31
918
Borough
Councils
Clonmel
Drogheda
Kilkenny
Sligo
Wexford
Total (3)
28
22
37
41
25
153
Arklow
Athlone
Athy
Ballina
Ballinasloe
Birr
Bray
Buncrana
Bundoran
Carlow
Carrickmacross
Carrick-on -Suir
Cashel
Castlebar
Castleblayney
Cavan
Clonakilty
Clones
Cobh
Dundalk
Dungarvan
Ennis
Enniscorthy
Fermoy
Kells
Killarney
Kilrush
Kinsale
Letterkenny
Listowel
Longford
Macroom
Mallow
Midleton
Monaghan
Naas
Navan
Nenagh
New Ross
Skibbereen
Templemore
Thurles
Tipperary
Tralee
Trim
Tullamore
Westport
Wicklow
Youghal
Total (4)
TOTAL (1+2+3+4)
14
26
9
6
22
7
20
7
2
6
6
13
3
7
7
0
3
2
6
75
23
25
17
5
6
3
0
6
27
12
24
4
9
3
25
12
27
3
5
1
6
13
23
43
5
11
2
10
10
601
3,350
83
Section 7: Social Housing Supports
NUMBER OF LOCAL AUTHORITY HOUSES LET AT 31 DECEMBER
Year
Authority
Rented Dwellings
2003
County Councils
City Councils
Town Councils
TOTAL
50,387
39,058
17,808
107,253
2004
County Councils
City Councils
Town Councils
TOTAL
51,025
39,410
18,061
108,496
2005
County Councils
City Councils
Town Councils
TOTAL
52,420
39,115
18,244
109,779
2006
County Councils
City Councils
Town Councils
TOTAL
53,960
39,055
18,335
111,350
2007
County Councils
City Councils
Town Councils
TOTAL
56,419
38,946
18,768
114,133
The figures for Town Councils include Borough Councils.
Average weekly rent of all dwellings 2003
2004
2005
2006
2007
Note:-
84
€ 32.10
€ 35.75
€ 43.28
€ 42.14
€ 46.22
Breakdown for each local authority is available on the Department's website at www.environ.ie
Section 7: Social Housing Supports
VOLUNTARY AND CO-OPERATIVE HOUSING OUTPUT BY AREA IN 2007
Capital Loan and Subsidy Scheme*
County
No. of houses:Councils
completed or
(including
acquired
Borough and
Town Councils)
Capital Assistance Scheme
No. of houses:completed or in progress
acquired
at
31 Dec 2007
in progress
at
31 Dec 2007
commenced
at
31 Dec 2007
40
0
11
0
34
0
0
34
1
34
14
13
10
0
14
1
6
16
Cork County
Cork City
Cork Total
121
2
123
213
53
266
139
25
164
33
28
61
84
58
142
37
86
123
Donegal
108
29
2
69
174
128
Dun/L-Rathdown
Fingal
South Dublin
Dublin City
Dublin Total
89
0
51
220
360
60
63
140
99
362
96
0
159
137
392
30
12
0
133
175
2
70
61
256
389
0
56
61
161
278
0
0
0
0
8
8
0
8
8
7
11
18
10
40
50
12
30
42
Kerry
Kildare
Kilkenny
Laois
Leitrim
55
0
0
21
0
29
124
0
138
0
51
79
0
75
0
14
44
36
10
0
75
18
38
14
0
65
34
43
10
0
Limerick County
Limerick City
Limerick Total
42
0
42
5
0
5
5
0
5
36
14
50
16
38
54
0
28
28
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
South Tipperary
0
50
31
41
0
0
0
0
0
72
73
122
0
0
0
107
46
0
0
40
73
49
0
4
0
76
0
0
0
0
4
1
38
6
6
14
6
11
14
3
27
25
67
36
32
0
59
18
0
7
31
0
32
26
32
0
59
8
6
10
Waterford County
Waterford City
Waterford Total
0
10
10
18
11
29
18
16
34
15
31
46
30
125
155
30
137
167
0
0
0
964
0
0
8
1,420
0
0
0
1,047
15
8
11
721
12
0
16
1,432
0
0
12
1,157
Carlow
Cavan
Clare
Galway County
Galway City
Galway Total
Westmeath
Wexford
Wicklow
TOTALS
Note:-
commenced
at
31 Dec 2007
* formerly known as Rental Subsidy scheme.
includes units acquired under Part V, Planning and Development Acts 2000-2006 for rental
purposes.
85
Section 7: Social Housing Supports
RENTAL ACCOMMODATION SCHEME (RAS)
Cumulative number of cases transferred through RAS up to end December 2007
County Councils
(including Borough
and Town Councils)
No. of voluntary
& co-operative
housing cases
transferred from
SWA* Rent
Supplement
to RAS
No of Private
Total No of
No of cases
Total No of
cases transferred cases transferred
transferred
cases
from SWA
from SWA
from SWA
transferred
Rent Supplement Rent Supplement Rent Supplement
from SWA
to RAS
to RAS
to other
Rent Supplement
(includes RAS
social housing
acquisitions)
options
Carlow
36
10
46
95
141
Cavan
51
15
66
79
145
Clare
47
105
152
82
234
Cork North
56
11
67
73
140
Cork South
164
30
194
113
307
Cork West
54
0
54
17
71
Donegal
77
43
120
796
916
D/L-Rathdown
54
115
169
112
281
Fingal
0
100
100
193
293
107
26
133
111
244
Kerry
21
157
178
261
439
Kildare
65
71
136
150
286
231
56
287
154
441
57
27
84
46
130
Galway
Kilkenny
Laois
Leitrim
Limerick
Longford
0
1
1
23
24
136
41
177
66
243
0
93
93
39
132
Louth
12
75
87
257
344
Mayo
211
62
273
100
373
Meath
36
15
51
31
82
Monaghan
81
0
81
83
164
North Tipperary
28
94
122
44
166
Offaly
21
64
85
40
125
Roscommon
49
48
97
108
205
Sligo
90
25
115
69
184
South Dublin
35
307
342
478
820
South Tipperary
56
56
112
199
311
Waterford
1
12
13
73
86
Westmeath
13
89
102
62
164
Wexford
82
31
113
389
502
Wicklow
16
53
69
91
160
City Councils
Cork
157
103
260
365
625
Dublin
459
526
985
218
1,203
Galway
104
250
354
119
473
Limerick
67
131
198
78
276
Waterford
TOTALS
172
68
240
126
366
2,846
2,910
5,756
5,340
11,096
The first transfers under Rental Accommodation Scheme (RAS) commenced in Quarter 4 2005.
* Supplementary Welfare Allowance.
86
3
88
67
53
86
68
Monaghan
North Tipperary
Offaly
59
76
52
116
101
207
146
182
139
2
158
38
67
34
78
3
37
32
136
72
132
184
64
72
88
60
67
112
156
217
171
38
44
117
242
63
242
Meath
Mayo
Louth
Longford
Limerick
Leitrim
Laois
Kilkenny
Kildare
Kerry
Galway
Fingal
31
114
70
43
43
Dun/L.-Rathdown
130
226
108
97
Donegal
39
38
113
36
43
25
40
26
37
31
124
Cork
Clare
Cavan
2006
2005
2007
Authority Housing
(incl. Borough &
Town Councils)
Standard Local
Carlow
Traveller Accommodation
0
9
0
41
7
20
0
16
3
4
0
6
0
49
34
22
11
14
30
18
12
2005
0
9
0
29
7
20
0
16
5
4
5
7
0
49
45
21
12
16
30
23
12
2006
4
9
0
29
7
20
0
16
8
4
8
7
0
51
45
27
12
16
30
23
11
2007
Group Housing
Local Authority
23
4
18
5
15
32
15
30
0
9
13
0
51
36
0
0
1
10
30
0
7
2005
23
4
18
0
16
34
16
30
0
10
12
0
70
43
0
0
0
11
28
0
13
2006
22
4
18
0
30
40
13
30
1
11
13
1
40
56
0
0
0
13
29
0
13
2007
Local Authority
assisted by
Private Houses
6
0
0
9
7
9
4
0
0
2
4
0
0
7
1
0
7
1
3
0
2
2005
5
0
2
15
8
9
4
0
0
2
4
0
1
6
1
0
0
2
6
0
3
2006
7
0
3
15
7
10
4
0
0
3
4
1
1
5
1
0
0
1
6
0
2
2007
with L.A. assistance
by Voluntary Bodies
Accommodation provided
37
19
7
47
11
16
10
31
27
17
17
29
28
20
113
29
17
19
29
0
7
2005
55
19
11
48
5
12
9
20
27
6
10
31
24
24
81
27
16
16
35
0
5
2006
52
18
10
48
6
13
3
74
20
8
9
29
25
20
99
29
15
17
38
0
5
2007
Halting Sites
Local Authority
134
118
78
178
141
216
211
213
33
110
68
67
263
338
218
94
133
168
128
49
65
2005
150
120
83
151
152
221
236
224
34
89
69
75
227
364
190
91
136
158
137
49
73
2006
157
119
91
159
162
239
237
291
32
98
72
82
183
374
209
87
141
177
142
48
74
2007
of Local Authority
by or with assistance
Total Accommodated
23
28
8
0
28
3
5
43
0
6
13
20
6
45
43
12
1
33
6
1
5
2005
25
26
0
6
27
8
10
53
0
8
14
10
9
33
66
5
0
40
15
1
6
2006
23
30
2
6
28
6
2
31
0
10
23
16
8
33
74
3
4
35
7
1
3
2007
On Unauthorised sites
157
146
86
178
169
219
216
256
33
116
81
87
269
383
261
106
134
201
134
50
70
2005
175
146
83
157
179
229
246
277
34
97
83
85
236
397
256
96
136
198
152
50
79
180
149
93
165
190
245
239
322
32
108
95
98
191
407
283
90
145
212
149
49
77
2006 2007
on Unauthorised Sites
of Local Authority &
by or with assistance
Total Accommodated
TRAVELLER FAMILIES IN LOCAL AUTHORITY AND LOCAL AUTHORITY ASSISTED ACCOMMODATION AND
ON UNAUTHORISED SITES AT 30 NOVEMBER 2007
Section 8:
County Councils
87
72
Wexford
Wicklow
181
Galway
642
0
677
3
403
0
433
0
2
10
1
20
3
22
28
1
5
9
0
4
2006
444
0
3
11
1
20
3
24
29
1
5
9
0
4
2007
104
14
0
2
5
0
1
8
0
1
2
0
3
0
2006
104
12
0
2
5
0
1
7
0
1
3
0
3
0
2007
1,203
14
44
39
147
59
33
23
31
14
16
188
38
27
2005
1,131
13
52
37
119
64
31
19
42
10
16
184
36
27
2006
1,140
21
57
43
104
67
29
15
34
6
11
155
40
20
2007
5,177
114
57
259
445
217
119
193
135
25
84
381
72
53
2005
5,251
123
66
258
451
226
125
196
151
20
86
394
71
55
2006
5,436
106
73
264
441
233
142
213
155
17
79
417
65
57
2007
589
8
1
0
72
7
35
72
0
7
18
15
20
5
2005
629
17
1
1
70
12
27
71
0
9
21
19
14
5
2006
594
12
0
4
46
16
26
84
3
10
24
7
10
7
2007
"Family" is taken to mean parent(s) and/or children and relatives normally resident with them.
"Sharing housing accommodation" it is assumed that they are predominantly families sharing accommodation designed for single family occupancy.
"Group housing" is housing specifically designed to accommodate a number of traveller families.
"Unauthorised sites" includes families on the roadside, in private yards, gardens, fields and unofficial sites.
"Halting sites" includes permanent, temporary and transient sites.
(a) directly by local authorities (b) by voluntary bodies or travellers themselves with assistance of local authorities (c) traveller families on unauthorised site or other unserviced locations.
87
5
0
2
5
0
1
7
0
0
1
0
4
0
2005
This page relates to numbers of traveller families, which have been accommodated:
number of travellers.
606
0
2
10
1
20
3
22
27
1
5
9
1
3
2005
On Unathorised sites
5,766
122
58
259
517
224
154
265
135
32
102
396
92
58
2005
118
73
268
487
249
168
297
158
27
103
424
75
64
5,880 6,030
140
67
259
521
238
152
267
151
29
107
413
85
60
2006 2007
on Unauthorised Sites
of Local Authority &
by or with assistance
Total Accommodated
This information supplied by local authorities is for the purposes of monitoring progress made at local level in meeting the accommodation needs of traveller families and cannot be regarded as a census of the
3,071
70
9
26
154
9
12
34
6
0
12
68
0
17
2007
of Local Authority
by or with assistance
Total Accommodated
Notes:-
2,941
96
9
26
182
9
12
25
6
0
11
43
0
9
2006
Halting Sites
Local Authority
95
9
27
164
9
10
26
6
0
11
38
0
10
2005
with L.A. assistance
by Voluntary Bodies
Accommodation provided
2,878
4
182
177
137
97
133
86
9
48
185
22
16
2007
Local Authority
assisted by
Private Houses
TOTALS
3
183
144
133
78
122
75
8
52
158
32
15
2006
Group Housing
Local Authority
Waterford
2
128
Dublin
Limerick
129
Cork
City Councils
71
115
Westmeath
51
10
Waterford
South Dublin
South Tipperary
29
146
Sligo
13
2005
Roscommon
Town Councils)
Standard Local
Authority Housing
(incl. Borough &
88
County Councils
Section 8: Traveller Accommodation
Carlow
Cavan
Clare
Cork
Donegal
Dun/L-Rathdown
Fingal
Galway
Kerry
Kildare
Kilkenny
Laois
Leitrim
Limerick
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
County Councils
(incl. Borough
and Town Councils)
65
49
128
168
133
94
218
338
263
67
68
110
33
213
211
216
141
178
78
118
134
53
72
2005
73
49
137
158
136
91
190
364
227
75
69
89
34
224
236
221
152
151
83
120
150
55
71
2006
74
48
142
177
141
87
209
374
183
82
72
98
32
291
237
239
162
159
91
119
157
57
65
2007
Total Accommodated
by or with assistance
of Local Authority *
5
1
6
33
1
12
43
45
6
20
13
6
0
43
5
3
28
0
8
28
23
5
20
2005
6
1
15
40
0
5
66
33
9
10
14
8
0
53
10
8
27
6
0
26
25
5
14
2006
3
1
7
35
4
3
74
33
8
16
23
10
0
31
2
6
28
6
2
30
23
7
10
2007
On Unauthorised Sites *
17
0
2
10
0
0
0
4
15
16
5
5
0
100
25
32
0
0
2
0
4
0
0
2005
12
0
3
9
0
0
0
10
16
15
6
2
0
100
27
33
0
0
2
1
4
0
0
2006
12
0
4
9
0
0
0
10
6
19
6
2
0
100
27
33
1
0
2
1
5
0
0
2007
Own Resources
(Estimate)
9
5
29
21
35
5
50
31
6
8
8
10
16
14
25
42
28
3
10
11
30
3
9
2005
8
9
17
30
41
8
69
51
47
15
11
12
19
12
28
53
56
29
15
9
35
6
18
2006
15
10
17
39
57
6
69
68
25
16
15
23
22
17
44
59
90
50
26
14
41
11
10
2007
Private Rented
(Estimate)
20
3
18
21
1
4
0
10
8
2
4
2
1
61
22
5
7
0
6
5
3
9
7
2005
20
4
15
36
7
5
4
12
6
2
6
10
2
50
20
17
8
6
9
4
6
4
8
2006
17
7
15
46
6
12
13
17
25
2
6
1
3
41
10
21
9
6
12
6
1
1
6
2007
Sharing Housing
116
58
183
253
170
115
311
428
298
113
98
133
50
431
288
298
204
181
104
162
194
70
108
119
63
187
273
184
109
329
470
305
117
106
121
55
439
321
332
243
192
109
160
220
70
111
2006
121
66
185
306
208
108
365
502
247
135
122
134
57
480
320
358
290
221
133
170
227
76
91
2007
Total Number of
Traveller Families
in all categories
of accommodation
2005
TOTAL NUMBER OF TRAVELLER FAMILIES IN ALL CATEGORIES OF ACCOMMODATION AT
30 NOVEMBER 2007
Section 8: Traveller Accommodation
89
90
5,251
226
451
258
66
123
217
445
259
57
114
5,177
394
86
20
151
196
125
2006
381
84
25
135
193
119
2005
5,436
233
441
264
73
106
417
79
17
155
213
142
2007
Total Accommodated
by or with assistance
of Local Authority *
589
7
72
0
1
8
15
18
7
0
72
35
2005
629
12
70
1
1
17
19
21
9
0
71
27
2006
594
16
46
4
0
12
7
24
10
3
84
26
2007
On Unauthorised Sites *
478
2
0
2
0
32
25
7
0
73
98
2
2005
485
2
0
2
0
32
25
7
0
73
102
2
2006
489
2
0
2
0
32
25
7
0
75
106
3
2007
Own Resources
(Estimate)
696
15
35
86
9
15
65
4
2
14
29
14
2005
935
20
35
105
8
17
68
7
1
18
43
15
2006
1,143
25
36
126
8
37
55
7
1
22
54
28
2007
Private Rented
(Estimate)
326
13
13
20
1
5
12
10
0
1
32
0
2005
391
15
23
26
1
0
9
13
0
1
41
1
2006
437
15
32
34
0
6
8
12
2
1
44
0
2007
Sharing Housing
7,266
254
565
367
68
174
498
123
34
223
424
170
2005
7,691
275
579
392
76
189
515
134
30
243
453
170
2006
8,099
291
555
430
81
193
512
129
30
256
501
199
2007
Total Number of
Traveller Families
in all categories
of accommodation
Notes:- This information supplied by local authorities is for the purposes of monitoring progress made at local level in meeting the accommodation needs of traveller families and
cannot be regarded as a census of the number of travellers.
This page is a summary table of the estimated total number of traveller families in the state on 30 November 2007. It includes those families on the previous page *, as well as:
(d) estimated number of families who have provided accommodation from their own resources (e) estimated number of families living in privated rented acommodation (f)
families sharing housing accommodation (incl. group houses/standard lettings).
"Halting sites" includes permanent, temporary and transient sites.
"Unauthorised sites" includes families on the roadside, in private yards, gardens, fields and unofficial sites.
"Group housing" is housing specifically designed to accommodate a number of traveller families.
"Sharing housing accommodation" it is assumed that they are predominantly families sharing accommodation designed for single family occupancy.
"Family" is taken to mean parent(s) and/or children and relatives normally resident with them.
TOTALS
South Dublin
South Tipperary
Waterford
Westmeath
Wexford
Wicklow
City Councils
Cork
Dublin
Galway
Limerick
Waterford
County Councils
(incl. Borough
and Town Councils)
Section 8 Traveller Accommodation
Section 9:
Disabled Persons & Essential Repairs
Grants Paid
DISABLED PERSONS GRANTS PAID BY LOCAL AUTHORITIES
Year and
Quarter
Number
Value
€000
2003
2004
2005
2006
2007
5,739
5,222
6,130
6,669
7,770
50,481
45,814
52,855
57,390
71,258
2005
Q1
Q2
Q3
Q4
1,131
1,481
1,640
1,878
9,147
12,237
13,650
17,821
2006
Q1
Q2
Q3
Q4
1,386
1,794
1,568
1,921
10,687
14,229
13,663
18,811
2007
Q1
Q2
Q3
Q4
1,689
1,943
1,939
2,199
14,415
16,835
16,998
23,010
ESSENTIAL REPAIRS GRANTS PAID BY LOCAL AUTHORITIES
Year and
Quarter
Number
Value
€000
2003
2004
2005
2006
2007
2,842
2,075
2,545
2,905
3,611
13,303
9,585
11,788
14,313
18,896
2005
Q1
Q2
Q3
Q4
404
542
649
950
1,754
2,393
2,999
4,642
2006
Q1
Q2
Q3
Q4
592
647
730
936
2,701
3,200
3,625
4,787
2007
Q1
Q2
Q3
Q4
698
884
948
1,081
3,393
4,241
5,199
6,063
Note:- Three new schemes - 'Housing Adaptation Grant for people with a disability', 'Mobility Aid Housing
Grant' and 'Housing Aid for Older People' replaced Disabled Persons and Essential Repairs Grants on 1
October 2007. Data will be available in 2008.
91
Section 9: Disabled Persons & Essential Repairs Grants Paid
DISABLED PERSONS & ESSENTIAL REPAIRS GRANTS PAID BY LOCAL
AUTHORITIES IN 2007
County
Councils
(including
Borough and
Town Councils)
Carlow
Cavan
Clare
Cork
Donegal
Dun/L-Rathdown
Fingal
Galway
Kerry
Kildare
Kilkenny
Laois
Leitrim
Limerick
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
South Dublin
South Tipperary
Waterford
Westmeath
Wexford
Wicklow
Disabled Persons Grants Paid
No. of:payments
approvals
applications
issued
issued
Essential Repairs Grants Paid
No. of :payments
approvals
applications
issued
issued
78
86
123
346
363
304
152
325
386
178
76
198
127
216
110
186
463
192
136
239
113
135
146
417
217
109
105
115
133
93
111
153
406
319
273
152
501
456
204
99
184
202
355
102
267
487
192
136
156
141
193
174
398
228
130
107
132
173
119
130
238
646
502
310
190
541
559
248
110
196
165
360
141
346
566
234
220
248
208
159
274
537
309
166
200
227
263
227
94
36
368
478
6
4
134
210
171
32
109
175
51
47
69
216
119
53
48
28
103
53
157
22
84
90
95
53
307
148
53
438
509
13
4
253
252
171
39
97
212
85
50
56
237
119
53
48
29
216
65
143
23
71
62
105
69
317
148
55
483
609
18
14
489
343
208
44
122
195
112
92
72
431
146
87
46
91
219
110
242
42
147
140
123
76
City Councils
Cork
Dublin
Galway
Limerick
Waterford
294
1,420
106
99
77
287
1,582
106
107
87
394
1,865
152
186
89
0
252
19
0
8
0
288
19
0
7
0
337
47
0
16
TOTALS
7,770
8,693
11,098
3,611
4,241
5,621
Note:- Three new schemes - 'Housing Adaptation Grant for people with a disability', 'Mobility Aid Housing
Grant' and 'Housing Aid for Older People' replaced Disabled Persons and Essential Repairs Grants on 1
October 2007. Data will be available in 2008.
92
Section 10: Private Rented Housing
ENFORCEMENT OF REQUIREMENTS FOR STANDARDS &
RENT BOOKS IN 2007
Standards
County
Dwellings Inspections
Councils
Inspected
carried out
(including
Borough and
Town Councils)
Dwellings
Rent Books
Dwellings
Legal
Dwellings
Notices
served
Inspected
where notices
action
inspected
not meeting
were served on
initiated
where no
regulatory
landlords for
Legal
action
initiated
Rent Books
requirements improvements to be
carried out
Carlow
78
78
3
1
0
0
0
0
Cavan
209
213
16
0
0
0
0
0
Clare
197
197
40
6
0
187
0
0
Cork
350
350
32
3
0
92
0
0
Donegal
464
464
2
0
0
0
0
0
Dun L.-Rathdown 317
410
104
0
0
126
0
0
Fingal
545
617
21
21
0
28
28
0
Galway
126
126
15
14
0
17
17
0
Kerry
347
354
34
0
0
156
66
0
Kildare
292
292
15
0
1
0
0
0
Kilkenny
61
62
32
32
0
0
0
0
Laois
51
51
0
0
0
0
0
0
Leitrim
220
220
0
0
0
0
0
0
Limerick
217
217
5
0
0
0
0
0
Longford
291
334
102
57
0
0
0
0
Louth
30
30
0
0
0
0
0
0
Mayo
481
486
2
1
0
0
0
0
Meath
85
85
0
0
0
0
0
6
Monaghan
292
292
18
1
0
0
0
0
North Tipperary
301
286
23
21
0
7
7
0
Offaly
140
140
12
12
0
0
0
0
Roscommon
164
184
57
57
0
0
0
0
Sligo
South Dublin
26
26
2
2
0
0
0
0
529
532
101
0
0
0
0
0
South Tipperary
445
452
32
0
0
0
0
0
Waterford
195
195
2
0
0
0
0
0
Westmeath
836
845
5
0
0
0
0
0
Wexford
176
176
13
3
0
89
0
0
Wicklow
103
103
6
4
0
0
0
0
0
City Councils
Cork
Dublin
Galway
703
703
252
0
0
0
0
3,232
4,820
1,349
1,454
24
1,969
3
0
207
266
15
10
0
0
0
0
Limerick
167
167
69
0
0
0
0
0
Waterford
170
235
0
0
0
0
0
0
12,047
14,008
2,379
1,699
25
2,671
121
6
TOTALS
93
Section 10: Private Rented Housing
PRIVATE RENTED HOUSING REGISTRATIONS
County Councils (including Borough
and Town Councils)
* Number of Registrations at
31 December 2007
Carlow
2,209
Cavan
1,128
Clare
2,803
Cork
9,841
Donegal
1,926
Dun Laoghaire-Rathdown
10,005
Fingal
11,884
Galway
4,002
Kerry
4,623
Kildare
6,709
Kilkenny
1,966
Laois
1,428
Leitrim
912
Limerick
3,427
Longford
1,512
Louth
3,148
Mayo
2,680
Meath
3,286
Monaghan
711
North Tipperary
1,273
Offaly
1,538
Roscommon
1,312
Sligo
3,258
South Dublin
10,219
South Tipperary
2,491
Waterford
1,555
Westmeath
3,513
Wexford
4,229
Wicklow
4,340
City Councils
Cork
11,861
Dublin
49,569
Galway
10,808
Limerick
5,064
Waterford
2,922
TOTAL
188,152
Source: The Private Residential Tenancies Board (PRTB)
* These represent the actual number of registrations as at 31st December 2007, that are still active on 30th
April 2008.
94
Section 11:
Capital Investment in Housing
PUBLIC CAPITAL EXPENDITURE ON HOUSING MAIN CONSTITUENTS
2003
2004
2005
2006
2007
€M
€M
€M
€M
€M
Local Authority Housing
887.8
912.8
1081.9
1142.3
1292.3
Voluntary & Co-operative Housing
212.6
185.1
168.7
185.5
275.7
Shared Ownership
140.1
127.8
129.1
100.4
136.7
House Purchase and Improvement Loans etc.
83.7
74.7
38.1
42.2
41.0
Private Housing Grants
93.2
60.3
39.5
40.9
67.3
150.7
122.8
124.8
137.7
202.4
15.9
19.0
20.7
25.6
5.5
1,584.0
1,502.5
1,602.8
1,674.6
2,020.9
Affordable Housing (including Part V)
Other Housing
TOTALS
CAPITAL FORMATION IN HOUSING (excluding site costs)
(r) 2003
(r) 2004
(r) 2005
(r) 2006
(p) 2007
€M
€M
€M
€M
€M
Gross National Product at market prices *
117,691
125,286
135,723
149,130
157,899
Gross Domestic fixed capital formation *
31,073
35,108
42,079
46,027
47,022
Capital formation in housing **
11,704
14,612
17,654
19,500
17,786
38%
42%
42%
42%
38%
10%
12%
13%
13%
11%
Capital formation in housing as a percentage
of gross domestic fixed capital formation
Capital formation in housing as a
percentage of gross national product
*
From CSO "National Accounts".
** From DKM - DEHLG "Review of the Construction Industry 2006 and Outlook 2007-2009".
(r) Revised
(p) Provisional
95
Appendix II
Summary of Social and Affordable Housing Schemes
An outline of the various schemes is provided below. Further information can be
obtained from the Department’s website (www.environ.ie) or from the websites and
housing offices of local authorities.
Social Housing Schemes
There are a number of social housing options available to households who cannot
meet their accommodation needs fully from their own resources. This includes
social rented accommodation provided by local authorities and voluntary and cooperative housing bodies, Rental Accommodation Scheme and other social housing
options. Applications for all schemes are made to the relevant local authority.
Social Rented Accommodation provided by local authorities
Local authorities are the main providers of housing for people in need of housing
who cannot afford it from their resources. Applicants must be accepted as being in
need of housing by the local authority and houses are allocated based on a scheme
of letting priorities. Rents are related to ability to pay.
Local authorities may also use other methods to respond to households in need of
social housing.
Rental Accommodation Scheme
The Rental Accommodation Scheme is an additional housing option where an
individual on long term Social Welfare rent supplement, who has been assessed as
having a long-term housing need, can be accommodated in the private rented
sector. Local Authorities, in liaison with the Community Welfare Officers, are
responsible for the operation of this scheme.
Improvement Works in lieu of local authority housing
Under this scheme, the local authority may improve or extend a privately owned
house to eliminate defects or to provide additional accommodation where it is
necessary to eliminate overcrowding or to accommodate a person not at present
residing in the house. The scheme is can also be availed by local authority tenants,
tenant purchasers or certain voluntary housing tenants who move to a privately
owned house requiring improvement works. The scheme does not apply to
improvements to private rented houses.
96
The carrying out of the works must satisfy the housing needs of the household and
result in their removal from the housing waiting list. Persons benefiting under the
scheme are required to pay a weekly or monthly charge related to their means and
the cost of the works carried out by the local authority.
Local Authority Extensions Scheme
This scheme enables local authorities to extend rented local authority houses to
cater for households who would otherwise qualify for inclusion in a housing
assessment. The scheme applies to rented local authority houses, which can be
economically extended to cater for persons accepted as in need of local authority
housing. It includes cases where the need is due to overcrowding, where an
approved applicant not living in the house can be adequately accommodated in the
house after it has been extended, and where a tenant or tenant purchaser surrenders
a dwelling on being accommodated in the extended house.
Voluntary Housing and Co-Operative Housing Bodies
Both voluntary and co-operative housing bodies are supported by local authorities
and the Department of Environment, Heritage and Local Government under two
separate schemes which provide social rented accommodation, as follows:
Capital Assistance Scheme
Under this scheme, both voluntary and co-operative housing bodies provide
accommodation to meet special housing needs such as those of older persons,
people with a disability, homeless persons, or returning emigrants. The approved
housing bodies are responsible for tenancy allocations in consultation with the local
authorities. A minimum of 75% of the houses in each project are reserved for
persons whose applications for local authority housing have been approved by the
local authority, homeless persons, or local authority tenants and tenant purchasers
who return their dwellings to the local authority. However, one third of these may
be allocated to eligible older returning emigrants. The remaining houses in a project
are let to people nominated by the voluntary and co-operative housing bodies.
Rents are determined having regard to tenants means and the cost of managing and
maintaining the dwellings.
Capital Loan and Subsidy Scheme
Under this scheme, housing bodies provide housing for renting, particularly to meet
the needs of low-income families. Not less than three-quarter of the dwelling units
are let to households that have qualified for local authority housing. Rents are
97
determined taking account of household earnings and circumstances. Tenants of the
houses are centrally involved in the management of their estates.
Affordable Housing Schemes
Affordable housing is provided under the Shared Ownership Scheme; 1999
Affordable Housing Scheme; Part V of the Planning Development Acts 2000 – 2006;
and the Sustaining Progress Affordable Housing Initiative.
Other measures which assist people acquire their own home include the Mortgage
Allowance Scheme; Local Authority house purchase and improvement loans; Local
Authority low cost housing sites and under the Affordable Housing Initiative as
provided for in the Sustaining Progress Partnership Agreement. Local authority
tenants can also purchase the dwelling they are renting from the local authority
through the tenant purchase scheme described earlier.
Shared Ownership Scheme
Shared ownership involves the purchase of a new or second hand home with the
local authority initially taking at least a 40% stake, which they rent to the
beneficiary. The individual funds their equity stake through a local authority loan.
While they are buying a share in the home, ownership is shared between themselves
and the local authority. They make payments on a mortgage for the part they own
and pay rent to the local authority for the other part at a rate of 4.3% of the value of
the share in the ownership held by the local authority. The rent is increased
annually by 4.5%.
To be eligible for the above schemes, a household must be:
•
In need of housing and satisfy an income test, that is a single income
household’s gross income should not exceed €40,000, while in the case of a
two income household, that two and a half times the gross income of the
principal earner plus once the gross income of the subsidiary earner should
not exceed €100,000, or
•
Have been approved for local authority social housing, or
•
Be an existing local authority tenant or a tenant of voluntary or co-operative
housing associations in certain circumstances1
1
Tenants of more than one year of a house provided under the capital loan and subsidy scheme, who
acquire private housing and return their dwelling to the voluntary or co-operative housing association
98
A graded subsidy towards the rent is available to shared owners whose household
income in the preceding tax year is €28,000 or less.
1999 Affordable Housing Scheme
Under the 1999 affordable housing scheme, local authorities provide newly built
houses at a discounted price on their own lands. A site subsidy of up to €50,000 a
house is available from the Department for the City Councils and the Dublin local
authorities and €31,800 in other local authorities to assist them in making houses
affordable. The purchaser can also benefit from a loan of up to 97% of the house
price.
Eligibility for this scheme is based on the same criteria as for the shared ownership
scheme. There is also a graded subsidy towards the mortgage available to those
households whose incomes in the preceding tax year are €28,000 or less.
Anti-profiteering measure
In the event of an affordable dwelling provided under the 1999 Affordable Housing
Scheme, being re-sold within 20 years, a "clawback" or anti-profiteering provision
allows for the payment of a proportion of the proceeds to the local authority. The
percentage of the proceeds to be repaid will be equal to the percentage discount
originally received from the local authority, but this declines on a sliding scale over
time.
Affordable Housing under the Planning Acts – Part V Schemes
Part V of the Planning and Development Acts 2000 - 2006 requires, inter alia, that up
to 20% of land zoned for residential developments or for a mix of residential and
other uses, is to be reserved to meet social and affordable housing needs and be
made available to the local authority at the existing use value rather than
development value. Part V applies only to planning permissions for developments
of 5 or more houses on zoned land of 0.1 hectares or more. It does not apply to
developments by voluntary or co-operative housing bodies, or to one-off housing.
In addition to the options of providing land, units or sites within the proposed
development, agreements with developers may include the transfer of other land
within its functional area; the provision of new units on other lands within its
functional area; the transfer of fully or partially serviced sites to the local authority
or to an approved housing association, the payment of money in lieu or a
combination of the above. While all of these options give considerable flexibility to
99
planning authorities and developers, the preferred option is the delivery of housing
units, particularly on site to achieve integrated mixed tenure developments.
Eligibility for Part V affordable housing is based on applicants being in need of
accommodation and their income not being adequate to meet the mortgage
repayments on a market value house appropriate to his or her accommodation
needs because such payments would exceed 35% of that person’s annual net
income. In the case of a double income household, half the net income of any
subsidiary earner is taken into account in making this assessment. The same antiprofiteering or claw back arrangements apply to affordable housing provided under
Part V as with the 1999 affordable housing scheme.
Affordable Housing Initiative
This initiative was introduced under the Sustaining Progress agreement to meet the
needs of those who would formerly have been able to purchase a house, but now
find themselves priced out of the market. The eligibility arrangements, including
the anti-profiteering mechanism are the same as apply under Part V.
Mortgage Allowance Scheme
Tenants or tenant purchasers of a local authority house returning their existing
house to the local authority and taking out a mortgage of at least €38,092 to
purchase or build a house may qualify for a mortgage allowance. The allowance is
also available to certain tenants of voluntary and co-operative housing associations.
The mortgage allowance is an allowance of up to €11,450 paid on a reducing basis
over 5 years and is designed to ease the transition from rent to mortgage. The
allowance is paid directly to the mortgage lender so that the beneficiaries mortgage
repayments are reduced by the amount of the subsidy.
Tenant Purchase Scheme
Tenants of a local authority house for at least one year may apply to the relevant
local authority to purchase it either outright or by way of shared ownership. The
price of the house will be its market value, as determined by the local authority, in
its existing state of repair and condition, reduced by an allowance for any house
improvements by the tenant and a scheme discount. The discount is 3% of the
market value of the house for each year of tenancy (up to a maximum of 10 years)
plus €3,809 in lieu of a new house grant.
100
Low Cost Sites Scheme
Under this scheme, a local authority may make housing sites available at low cost to
households been approved for social housing by the local authority, or local
authority tenants or tenant purchasers or certain tenants of voluntary and cooperative housing associations.
Voluntary and Co-operative housing bodies providing houses under the Capital
Assistance or Capital loan and Subsidy Schemes may also avail of the sites scheme,
as may persons taking shared ownership through a group housing project
sponsored by a housing co-operative or local authority.
Local authority loans for house purchase and improvements
Individuals who wish to purchase a house (new or second hand) in the ordinary
way or to build a house but cannot get a loan from a private lending institution may
be eligible for a housing loan from the local authority. In order to qualify, such
individuals must:
•
Have been refused a loan from a bank of building society and
•
Meet an income eligibility test where a single income household’s gross
income does not exceed €40,000, while in the case of a two income household,
that two and a half times the gross income of the principal earner plus once
the gross income of the subsidiary earner does not exceed €100,000.
The maximum house purchase loan available is €185,000. For house improvements,
maximum loans of €38,000 (€50,000 on offshore islands), where the loan is secured
by a mortgage on the house and €15,000, where the loan is not secured, are
available. A variable interest rate applies.
101
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