Chairperson’s Letter

Partners in Progress

It is my pleasure to present the Annual Report of the Housing Finance Agency. This Report illustrates the continuing successful progress the HFA has made in the last year in funding the ever increasing demand for housing. Building on firm foundations as we celebrate our fortieth anniversary. The HFA has grown to an organisation with a substantial loan book of €5.9 billion; and a record €72 million in profits in 2021 building up retained reserves to ensure that the Agency can cover the risks in its business.

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William Johnston

Interim Chairperson


loan book increase
in the last 5 years


Finance Contract with the
European Investment Bank
(EIB) for funding AHBs and LAs


in loan approvals for AHB
in the last two years

Chief Executive’s Review

Ready, Willing and Able

‘Big things have small beginnings’ as the saying goes, and the HFA began its work, just over forty years ago, on 8 February 1982. The organisation has changed a lot in that time, yet our core culture of providing excellent service to our customers in the provision of finance for housing, remains to this day.

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Barry O’Leary

Chief Executive Officer


AHB loan approvals


Outstanding Loan Book


Total new lending

Strategy HFA 2026

The provision of competitive funding by the HFA is seen as an important component in the delivery of social and affordable housing by the Department of Housing, Local Government and Heritage (DHLGH). To continue to fulfil our role effectively, we have developed HFA 2026, a strategy which supports and complements Housing for All, the Government’s new housing plan for Ireland, and builds on the success of our last strategy.

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Customer Service

We have a recognised expertise, built up over the last forty years, in raising and on-lending long-term competitive rate finance for housing purposes in a cost-effective manner. We use this to enable the Department of Housing, Local Government and Heritage and our customers – the local authorities, approved housing bodies and higher education institutions – to support the delivery of social and affordable homes.

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Get in touch

Housing Finance Agency plc

46 St Stephen’s Green Dublin 2 Ireland