Joe Flaherty (Fianna Fail) | Oireachtas source

I would put affordable under commercial. I come on to my second point then. Within that level of investment, we are investing only 23% in first-time buyers. We should really be ramping up the scale of what we give first-time buyers the minute you can claim back your tax. We got burnt when we did it back in the noughties with the regeneration schemes and all that, but we have to incentivise people through tax and through the pocket to buy homes now. Is that not the reality? We have to make it easier for them. We have done everything else. We have invested in social housing at 56%.

We cannot do much more for social housing but it is a case of having to put money in people's pockets in order that they can buy the houses off these development companies. Is that fair to say?