Younger people lose out in generation game of Irish housing market

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This report shines a light on the key divide in the Irish home-ownership market – between an older generation with its mortgage paid and younger people struggling to get into the market, either to rent or buy.

Overall the amount of money Irish people spend on housing is not out of line with that spent in 14 other European countries. On average Irish households pay one-fifth of their net income on housing payments – rent or mortgage, slightly below the average of the countries studied which is 22 per cent.

This means a significant portion of the less well-off and older population does not face any risks from higher income rates. Comparisons vary across different countries in this area, depending on social as well as economic factors, but in general Irish people are more likely to own and less likely to rent than elsewhere in Europe, with rental notably popular in northern European countries.

More than half of all renters receive support and the extension of these supports after 2015 has led to an improvement in the position of lower income households. The researchers attribute this in part to the Central Bank’s mortgage rules which – by limiting the size of loan in relation to income – mean that lower-income people find it difficult to buy at all. Central Bank rules are relatively tighter here than the average elsewhere.

 

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