Local Authority Home Loan Credit Committee
Each Local Authority providing Local Authority Home Loans will have in place a credit committee.
Applications for a Local Authority Home Loan will be assessed by the credit committee for eligibility and creditworthiness. Once a decision has been made, you will receive a letter from your local authority. Approved applications will receive an Approval in Principle letter. If your application is declined, the reason(s) why will be included in your declined letter.
Each Local Authority will have an Appeals Procedure to allow a dissatisfied applicant(s) to appeal a loan application decision of the credit committee's.
An Appeals Panel will consider appeals only where the applicant can prove their application adheres to the eligibility criteria of the Local Authority Home Loan scheme.
- An appeal will be considered only on the reason(s) as stated in the Letter of Decline returned by the Local Authority.
- An appeal of the loan amount provisionally approved may be considered on foot of a review of the original Local Authority Home Loan application and supporting documentation provided.
- The provision of additional information will not be grounds for an appeal of the original Local Authority Home Loan application and decision. This constitutes a new application and will be treated as such.
If you (the applicant(s)) have exhausted the Appeals Process and remain unhappy with the local authority decision, you can make a formal complaint to the Local Authority Complaints department.
If your complaint is not resolved satisfactorily, you can refer your complaint to the office of Ombudsman by:
- clicking on the "Make A Complaint" link at ombudsman.ie or
- writing to: Office of the Ombudsman, 6 Earlsfort Terrace, Dublin 2, D02 W773 or
- calling the Ombudsman on +353 1 639 5600 if you have any queries or if you need help making your complaint.