Ms Rosalind Carroll:

No, there is not a huge amount. Some bodies are deliberately accessing them and some that do not have HFA approved status will go to the private banks and access the funding. It depends on both.

To refer back to the overall funding stream, there is the money coming from the private lender or the HFA, there is a capital advance coming from the Government and the Department of the Environment, Community and Local Government via the local authority and then there is a revenue payment coming behind that, which goes over a 20 to 30 year cashflow. They are the three elements that make up the funding.