There are two types of house purchase loan available from local authorities: standard annuity loans targeted at lower income first time buyers and loans under the Home Choice Loan scheme which are available to qualifying middle income first time buyers. All applicants must complete a housing loan application form which can be downloaded from the relevant local authority's website.
The terms and conditions governing the operation, including eligibility terms, of annuity mortgages and the Home Choice Loan are set out under various Regulations such as the Housing (Local Authority Loans) Regulations 2009, the Housing (Home Choice Loan) Regulations 2009, and most recently in the Housing (Local Authority Loans) Regulations 2012. These are also available on my Department's website: http://www.environ.ie/en/Legislation/DevelopmentandHousing/Housing/.
My Department publishes a wide range of housing statistics, including the number and value of local authority mortgages approved by quarter and year and the total number and value of local authority mortgages with a breakdown of those in arrears. The statistics are available on my Department's website at:
http://www.environ.ie/en/Publications/StatisticsandRegularPublications/HousingStatistics/FileDownLoad,15295,en.xls
by clicking “Mortgage Data/Arrears in Local Authorities” and “Loan Approvals 1970 to date” under the Housing Loans contents.
A breakdown of local authority mortgage approvals for 2012 and 2013 is set out in the following tables.
Local Authority Loan approvals – 2012
|
-
|
-
|
New Houses
|
-
|
Second-hand Houses
|
|
-
|
No.
|
Value €
|
No.
|
Value €
|
|
County Councils
|
-
|
-
|
-
|
-
|
|
Carlow
|
1
|
145,000
|
1
|
32,750
|
|
Cavan
|
0
|
0
|
1
|
71,136
|
|
Clare
|
0
|
0
|
1
|
34,000
|
|
Cork
|
1
|
105,000
|
5
|
800,900
|
|
Donegal
|
0
|
0
|
0
|
0
|
|
DL/Rathdown
|
0
|
0
|
1
|
165,000
|
|
Fingal
|
0
|
0
|
15
|
1,374,532
|
|
Galway
|
0
|
0
|
0
|
0
|
|
Kerry
|
0
|
0
|
2
|
20,000
|
|
Kildare
|
0
|
0
|
3
|
244,300
|
|
Kilkenny
|
2
|
250,000
|
11
|
1,200,600
|
|
Laois
|
2
|
186,330
|
12
|
1,146,942
|
|
Leitrim
|
4
|
236,230
|
0
|
0
|
|
Limerick
|
1
|
90,000
|
3
|
299,400
|
|
Longford
|
0
|
0
|
1
|
123,258
|
|
Louth
|
0
|
0
|
2
|
227,725
|
|
Mayo
|
8
|
1,005,500
|
6
|
498,000
|
|
Meath
|
0
|
0
|
2
|
282,907
|
|
Monaghan
|
0
|
0
|
2
|
190,000
|
|
North Tipperary
|
0
|
0
|
0
|
0
|
|
Offaly
|
0
|
0
|
0
|
0
|
|
Roscommon
|
0
|
0
|
0
|
0
|
|
Sligo
|
0
|
0
|
10
|
987,350
|
|
South Dublin
|
0
|
0
|
2
|
342,200
|
|
South Tipperary
|
0
|
0
|
1
|
36,270
|
|
Waterford
|
15
|
1,386,294
|
0
|
0
|
|
Westmeath
|
3
|
202,100
|
1
|
101,200
|
|
Wexford
|
4
|
395,650
|
8
|
677,792
|
|
Wicklow
|
2
|
145,000
|
1
|
68,045
|
|
City Councils
|
|
|
|
|
|
Cork
|
1
|
143,400
|
1
|
58,000
|
|
Dublin
|
0
|
0
|
11
|
1,372,400
|
|
Galway
|
0
|
0
|
0
|
0
|
|
Limerick
|
0
|
0
|
3
|
163,485
|
|
Waterford
|
4
|
583,062
|
11
|
1,266,142
|
|
Borough Councils
|
|
|
|
|
|
Clonmel
|
1
|
150,000
|
1
|
140,650
|
|
Drogheda
|
0
|
0
|
7
|
336,049
|
|
Kilkenny
|
0
|
0
|
0
|
0
|
|
Sligo
|
0
|
0
|
0
|
0
|
|
Wexford
|
0
|
0
|
0
|
0
|
|
Town Councils
|
-
|
-
|
-
|
-
|
|
Athlone
|
0
|
0
|
0
|
0
|
|
Bray
|
0
|
0
|
0
|
0
|
|
Dundalk
|
0
|
0
|
0
|
0
|
|
TOTAL
|
49
|
5,023,566
|
125
|
12,261,034
|
Local Authority Loan approvals – 2013
|
-
|
-
|
New Houses
|
-
|
Second-hand Houses
|
|
-
|
No.
|
Value €
|
No.
|
Value €
|
|
County Councils
|
-
|
-
|
-
|
-
|
|
Carlow
|
3
|
330,000
|
6
|
450,000
|
|
Cavan
|
0
|
0
|
1
|
50,000
|
|
Clare
|
0
|
0
|
1
|
23,318
|
|
Cork
|
0
|
0
|
6
|
776,650
|
|
Donegal
|
0
|
0
|
1
|
15,169
|
|
DL/Rathdown
|
0
|
0
|
1
|
130,000
|
|
Fingal
|
1
|
70,500
|
19
|
2,252,150
|
|
Galway
|
0
|
0
|
0
|
0
|
|
Kerry
|
1
|
135,800
|
4
|
275,499
|
|
Kildare
|
4
|
520,000
|
5
|
529,363
|
|
Kilkenny
|
2
|
255,000
|
13
|
1,428,300
|
|
Laois
|
8
|
505,800
|
9
|
592,678
|
|
Leitrim
|
1
|
45,000
|
1
|
55,000
|
|
Limerick
|
0
|
0
|
3
|
282,000
|
|
Longford
|
3
|
150,880
|
2
|
78,350
|
|
Louth
|
19
|
1,176,345
|
2
|
242,700
|
|
Mayo
|
11
|
1,143,523
|
15
|
1,632,340
|
|
Meath
|
0
|
0
|
11
|
1,190,673
|
|
Monaghan
|
0
|
0
|
5
|
390,450
|
|
North Tipperary
|
0
|
0
|
0
|
0
|
|
Offaly
|
0
|
0
|
1
|
72,750
|
|
Roscommon
|
0
|
0
|
0
|
0
|
|
Sligo
|
3
|
255,000
|
1
|
106,700
|
|
South Dublin
|
0
|
0
|
5
|
416,130
|
|
South Tipperary
|
0
|
0
|
0
|
0
|
|
Waterford
|
1
|
115,500
|
1
|
86,400
|
|
Westmeath
|
1
|
90,000
|
3
|
262,250
|
|
Wexford
|
0
|
0
|
9
|
934,700
|
|
Wicklow
|
2
|
245,000
|
0
|
0
|
|
City Councils
|
|
|
|
|
|
Cork
|
0
|
0
|
0
|
0
|
|
Dublin
|
0
|
0
|
13
|
1,375,400
|
|
Galway
|
0
|
0
|
0
|
0
|
|
Limerick
|
0
|
0
|
0
|
0
|
|
Waterford
|
1
|
120,000
|
4
|
460,000
|
|
Borough Councils
|
-
|
-
|
-
|
-
|
|
Clonmel
|
1
|
155,520
|
2
|
174,600
|
|
Drogheda
|
0
|
0
|
0
|
0
|
|
Kilkenny
|
0
|
0
|
0
|
0
|
|
Sligo
|
0
|
0
|
2
|
143,350
|
|
Wexford
|
0
|
0
|
0
|
0
|
|
Town Councils
|
|
|
|
|
|
Athlone
|
0
|
0
|
0
|
0
|
|
Bray
|
0
|
0
|
0
|
0
|
|
Dundalk
|
2
|
153,755
|
2
|
145,500
|
|
TOTAL
|
64
|
5,467,623
|
148
|
14,572,420
|
