We have the highest concentration of home ownership in the European Union. Many young people and couples aspire to owning their own homes as soon as they become established in their career or profession. It is worrying that 33% of householders will not become home owners. The fact that many people are unable to buy their own home during our greatest period of economic prosperity is a damning indictment of the Administration. It ensured that the elite and wealthy in the country prospered during the years of the Celtic tiger and that the young people and those who aspired to buy their own homes remained householders rather than home owners.