Affordable housing gap for Seán
Deputy Gould described a constituent who works full time, has savings and a mortgage offer, yet is still €20,000 short of buying an affordable home. The Taoiseach defended the help-to-buy and first home schemes, said housing supply was rising, and offered to take the constituent’s details for a more specific reply.
A young man, Seán, came into my office last week. He works full time, is separated and has two children. He has a good job but is living with his parents because he cannot afford to buy a house. He has saved every penny he can and has substantial savings. He applied and was accepted for an affordable housing scheme run by Cork County Council but even with all of his savings, a gift from his parents, a good job, and a mortgage offer from a bank, he is still €20,000 short. He does not qualify for social housing. He cannot buy a house. This Government promised that he could buy a house but its scheme is failing. This is a man with two children who has a good job and good savings but the Government's affordable housing policy is in tatters. The affordable housing that the Government is providing is not affordable. What do I tell Seán? What will the Taoiseach tell him? Where does he and his two children go? He is in his thirties. Must he live with his parents for the rest of his life?
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I am sure what the Deputy definitely does not tell Seán is that if Sinn Féin was in government it would get rid of the help-to-buy scheme for first-time buyers-----
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It would be affordable. Our scheme would be affordable. That is the difference.
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-----and the first home scheme as well. I am sure he did not mention that to Seán. It is very hard to comment on the floor of the Dáil without knowing people's specific financial situations but this Government is seeing, every week, 500 people buying their first home. Every working day we are seeing 350 new homes being built. That is the progress we are making. That is what I would say to Seán. We are increasing supply and increasing supports. There are a range of supports now in place. If the Deputy wants to send me Seán's particulars-----