Dr. Ciaran Byrne:

Just to clarify, the 36,000 is across all schemes. There is no waiting list on the other schemes per se. We have a waiting list for the warmer homes scheme and the better energy homes scheme is an individual measures scheme. We expect the low-cost loan to be in place in the first quarter of 2023. We are working with our colleagues in the Department, the Strategic Banking Corporation of Ireland, SBCI, and the European Investment Bank, EIB, on the modelling and are providing the background statistics and analysis to allow the risk people to finalise the details around the loans.

We have been working very closely with the Department and we expect and understand it will be available to consumers by the first quarter of the year. The first tender or expression of interest has been done and there will be a second short-listing from which they will select the institutions that will be able to participate in the scheme.