Under the Rebuilding Ireland Home Loan scheme the final decision on loan approval is a matter for each local authority and its Credit Committee on a case-by-case basis. Decisions on all housing loan applications must be made in accordance with the statutory credit policy that underpins the scheme, in order to ensure consistency of treatment for all applicants.
Loan applicants who are dissatisfied with a loan application decision of a local authority Credit Committee may appeal that decision to the local authority.
Each local authority must have an Appeals Process in place to allow a dissatisfied applicant to appeal a loan application decision of the credit committee. An Appeals Panel should comprise of personnel not involved in the original decision which is the subject of the appeal.
Details of the appeals process can be obtained from the relevant local authority.