Report 2020

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Approved housing
body loan approvals


Total homes approved


Total amount approved
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Dublin Galway Tipperary Offaly Sligo Kildare Carlow Cavan Kilkenny Wexford Wicklow Louth Meath Westmeath Monaghan Laois Cork Mayo Kerry Clare Limerick €290m | 1,029 Homes €13m | 80 Homes €57m | 241Homes €1m | 4 Homes €16m | 97 Homes €28m | 139 Homes €180m | 867 Homes €6m | 39 Homes €7m | 50 Homes €3m | 24 Homes €69m | 306 Homes €5m | 29 Homes €66m | 303 Homes 1m | 2 Homes €40m | 227 Homes €1m | 13 Homes €80m | 312 Homes €19m | 111 Homes €10m | 53 Homes €13m | 85 Homes €86m | 422 Homes
Dublin1,029 Cork306 Meath241 Louth867 Westmeath111 Offaly29 Mayo39 Galway303 Sligo2 Monaghan24 Cavan50 Kildare312 Laois97 Clare4 Wicklow139 Carlow80 Wexford85 Kilkenny53 Tipperary13 Limerick422 Kerry227

Our year
in Numbers

Despite the difficulties of Covid-19 on working arrangements, the HFA had a busy year in lending, with AHB loan approvals of €1 billion in 2020 and €773 million in total loans advanced to local authorities, approved housing bodies (AHBs) and higher education institutions (HEIs).

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Loan Advances

2016 2017 2018 Net advances Gross advances 2019 2020 €545m €773m €745m €206m €432m €1,038m €30m €11m €245m €242m


2016 2017 2018 2019 2020 Profit Retained surplus €56m €294m €39m €28m €200m €238m €22m €22m €172m €150m


Loan facility with EIB


Loan facility with CEB


Guaranteed Notes programme
increased by 2.5bn

Get in touch

Housing Finance Agency plc

46 St Stephen’s Green Dublin 2 Ireland
T +353 1 872 5722 E


HFA Annual Report 2020

Business Review

Approved housing body loan
approvals by county
Yearly highlights – a year in numbers Download
Chairperson’s letter Download
Chief Executive’s review Download
Board of Directors Download
Management team Download
Strategic programme Download
Environmental, social and governance (ESG) sustainability Download
Customer service Download


Directors’ report Download
Statement of Directors’ responsibilities Download
Statement of disclosure to Auditor Download
Corporate governance Download
Audit & Risk Committee report Download

Financial Statements

Report of the Independent Auditor to the Members of Housing Finance Agency Plc Download
Income statement Download
Statement of comprehensive income Download
Statement of financial position Download
Statement of changes in equity Download
Statement of cash flows Download
Notes to the financial statements Download