Different types of housing tenures explained – social and private housing
There are a variety of different types of housing tenures (types), both social and private available to meet your specific needs and requirements. There are several different choices available within both social and private housing.
Introduction to Social Housing
Applying for Social Housing
Approved Housing Bodies or Voluntary Housing Associations
Private Housing is housing that is owned by an individual or a privately owned company. The property may be occupied by the owner or rented to a tenant.
Private Financing: A person may apply to a private mortgage company or bank for a loan to purchase the property. If a loan is made available to the person from a mortgage company or bank usually depends on the person’s income and their ability to repay the loan. The monthly repayments will generally be based on the amount borrowed, the amount of interest to be paid and over what time period e.g. 20 years, 25 years, 30 years. It is unlikey that you will approved for a home purchase home if your only income is a Social Welfare Payment. Please see Social Housing options above.
Government Supports & Schemes to assist private ownership
If you are not in a position to purchase your own home or rent good quality accommodation from your own resources on the open market, there may be some Government Schemes available to help people access appropriate and affordable housing.
These various schemes are generally administered by City and County Councils and by the Department of Social Protection can change from time to time so it is advised to check with the local Council or Department of Social Protection as to their current operation and application criteria of these schemes. Not all Councils will operate all schemes.Close this Panel
Local Council House Purchase and Tenant Purchase Loans
Individuals and families on low incomes may qualify for a house or tenant purchase loan from the local City or County Council.
Usually for a house purchase loan the applicant will have to have been refused a mortgage by two private mortgage companies or banks in order to make application.
To be eligible for a tenant purchase loan a person must be a tenant of the Council and they and the property in which they are living must meet the qualifying criteria for a Tenant Purchase Scheme. Usually Councils will not sell apartments and accommodation for older persons.
If you are a Council tenant and want to consider purchasing your home enquire further from the Loans and Grants Department in your local Council.Close this Panel
Incremental Purchase Schemes
The objective of the Incremental Purchase Scheme is to provide an affordable route to homeownership for households that are renting social housing or those awaiting the allocation of social housing. The scheme offers social housing applicants the earliest possible start on the path to home ownership for those willing and able to undertake a house purchase. It also provides a vehicle for effective saving for low-income applicants and allows the household to avail of the opportunity to improve their housing circumstances over time.
The scheme is available only for new build properties identified for sale by the local authority or approved housing body. Conditions of this scheme appear to be similar in some ways to the old Shared Ownership Scheme. The scheme however differs from shared ownership in that the purchase price is based on the all-in-cost of providing the house with a discount of between 40% and 60% depending on the buyer’s income and the amount of equity the buyer takes in the property.
Enquire further from your local Council.Close this Panel
Financial Supports to rent privately
Rent Supplement which is administered by the Department of Social Protection is paid to people living in private rented accommodation who cannot provide or continue to provide for the cost of their private rented accommodation from their own resources. In general, you will qualify for a rent supplement, if your only income is a Social Welfare or Health Services Executive (HSE) payment and you satisfy the other conditions.
Housing Assistance Payment (HAP). In some pilot Council areas HAP is a new financial support (that will eventually largely replace Rent Supplement) towards the cost of private or voluntary housing rental accommodation. A HAP application is made through the local Council Housing Department. For more information see --- then create link to the IWA Rent Supplement and Housing Assistance Payment (HAP) page and also to Citizens Information web site: http://www.citizensinformation.ie/en/housing/renting_a_home/housing_assistance_payment.htmlClose this Panel
RAS or Rental Accommodation Scheme
RAS or Rental Accommodation Scheme is an initiative by the Government to cater for the accommodation needs of certain persons who are in receipt of rent supplement for more than 18 months and who are assessed as having a long-term housing need. RAS is a collaborative project between the Department of the Environment, local Councils, the Department of Social Protection and the Health Service Executive Community Welfare Service. The RAS Scheme is operated by local Councils. Some local authorities operate a RAS type scheme but under a different name, please make enquiries with your local Council.
One of the main features of the RAS Scheme is that local Councils in sourcing accommodation for these households make use of the private and voluntary sector and enter into contractual arrangements to secure medium to long-term availability of rented accommodation. If you would like to know more about RAS contact your local Council and ask for the RAS Department.Close this Panel