The Rebuilding Ireland Home Loan is provided by local authorities in accordance with the Housing (Rebuilding Ireland Home Loans) Regulations 2018, which broadly set out the eligibility criteria to avail of the loans as well as the obligations of the local authorities and duties of borrowers in respect of the Scheme. In accordance with the regulations, as Minister, I have issued a statutory credit policy which obliges each local authority to establish a credit committee to assess and decide on applications and an appeals mechanism for those who are not satisfied with a decision of the credit committee.
To support local authorities in operating the Scheme, the Housing Agency provides a central assessment service to the authorities and makes recommendations to them in respect of each application submitted to it. The final decision on loan approval is a matter for each local authority and its credit committee to make on a case-by-case basis. Decisions on all housing loan applications must be made in accordance with the Regulations and the statutory credit policy, having regard to the recommendation of the Housing Agency, in order to ensure consistency of treatment for all applicants.
Under legislation, a local authority is independent in the performance of its functions and as Minister, I am precluded from exercising any power or control in relation to any individual case with which a housing authority is or may be concerned. I am therefore not in a position to comment on or deal with an individual case.
The person concerned should therefore contact the local authority to which they applied for the loan for an update in relation to their application.