Terence Flanagan (Dublin North East, Fine Gael)
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Question 346: To ask the Minister for the Environment, Community and Local Government the help available for those who find it difficult to get a deposit together (details supplied); and if he will make a statement on the matter. [12233/12]

Jan O'Sullivan (Limerick City, Labour)
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The Government is committed to supporting access to home ownership for lower income households and a range of paths to home ownership will remain in place in that regard. These include the incremental purchase scheme, the availability of loan finance from local authorities for house purchase, including open market purchase, and the tenant purchase scheme. Two types of house purchase loan are available from local authorities: standard annuity loans targeted at lower income first time buyers and those under the Home Choice Loan scheme which are available to qualifying middle income first time buyers affected by the "credit crunch". The terms and conditions governing the operation, including eligibility terms, of annuity mortgages and the Home Choice Loan are set out under the Housing (Local Authority Loans) Regulations 2009 and the Housing (Home Choice Loan) Regulations 2009 respectively. These are available on my Department's website: www.environ.ie.