Paul McAuliffe (Dublin North West, Fianna Fail) | Oireachtas source

It is great to have everybody here. The committee wants to focus on delivery and the delegations represent key parts in that. Many on the Government side in particular feel that the legislative job has been done in many ways, but there is still a bit of work to do in the context of Housing for All. We want to focus on the agencies that can deliver. On that basis, it is great to have the witnesses here in order that we can continue to engage with them. I have so much to ask about and I hope it can be covered in the seven minutes. It is always hard to be first as the witnesses may feel they need to give really comprehensive answers. There is plenty of time, however, and we can come back to issues.

If I am an official in an approved housing body or a local authority, there is the Home Building Finance Agency, HBFI, the HFA, the Housing Agency and the Land Development Agency, so are the differences in supports that are provided between these bodies clear? Some of them have been around for a substantial period but they have been given new roles and provide new services. Local authorities in particular but also approved housing bodies should know the difference between the four agencies. Will Mr. O'Leary speak first to the borrowing aspect?