Wednesday, 24 March 2021

Ceisteanna (676)

Gary Gannon


676. Deputy Gary Gannon asked the Minister for Housing, Local Government and Heritage further to Parliamentary Question No. 189 of 25 February 2021, his views on whether those receiving the carer’s allowance should be excluded from the Rebuilding Ireland home loan scheme as secondary applicants if it is not possible to produce an average length of time for the allowance; if there could be a mechanism to assess a person receiving the carer’s allowance to see if they are long-term recipients in order to access the Rebuilding Ireland home loan scheme; and if he will make a statement on the matter. [14830/21]

Amharc ar fhreagra

Freagraí scríofa (Ceist ar Housing)

As part of the eligibiity criteria for the Rebuilding Ireland Home Loan an applicant must be in continuous employment for a minimum of two years, as a primary earner or be in continuous employment for a minimum of one year, as a secondary earner.

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 and to protect both borrowers and local authorities, as lenders, alike.

The Rebuilding Ireland Home Loan is not, as a general rule, available to those in receipt of unemployment or other social welfare benefits.  However, where there is a primary income of a waged or salaried nature, long term state benefit payments may be considered. 

State benefit payments allowable are: 

- State Pension (Contributory);

- State pension (Non-Contributory);

- Widow’s / Widower’s Pension;

- Blind Pension;

- Invalidity Pension;

- Disability Allowance.

The long-term nature of the payment must be confirmed by the Department of Employment Affairs and Social Protection or other relevant Government Department.  Independent confirmation is required in such circumstances.

Further information is available on the dedicated Rebuilding Ireland Home Loan website,

Question No. 677 answered with Question No. 596.
Question No. 678 answered with Question No. 646.