BPFI Housing Market Monitor
|
|
- Imogen Willis
- 7 years ago
- Views:
Transcription
1 BPFI Housing Market Monitor Q1/2016 With a commentary by Ali Uğur Economist and Head of Tax & Accounting, Banking & Payments Federation Ireland
2 OVERVIEW OF TRENDS Indicator Latest quarter One year ago % YoY change Dwelling completions 3,144 2, % Dwelling commencements 2,081 1, % Dwellings listed for sale 12,107 13, % Dwellings listed for rent 16,955 20, % Yr/yr change in transaction prices 7.4% 16.8% Yr/yr change in list prices 6.1% 15.5% Yr/yr change in list rents 9.3% 9.4% Average rent % Transactions 9,439 10, % Mortgage approvals 6,028 7, % Mortgage drawdowns 5,446 5, %
3 COMMENTARY BPFI HOUSING MARKET MONITOR Q1/2016 Housing activity is increasing but supply constraints remain Supply of new homes in Ireland still remains low, despite a year-on-year increase of about 20% in completions in the first quarter of 2016 compared to the same period in If the same trend were to continue for the rest of the year, it is likely that completions would be around the 15,000 mark for 2016 which would still be well below the estimated demand of 25,000 units. Around 39% of all units completed in the first quarter of 2016 were individual houses or one-off units. Of the total units completed in the first quarter of 2016, nearly one third of all completions were in the Dublin area where the shortage of housing supply is most acute; this is despite an approximate 50% increase in completions in the period compared with first quarter of Housing commencements also showed a significant increase in the first quarter of 2016 compared to the same period in Some 2,100 commencements were recorded in the period, representing a 57% increase in activity compared to the same period in There was a strong increase in activity across the country, with commencements in Dublin, Munster and the rest of Leinster up year-on-year by 50%, 67% and 80%, respectively. If the same trend were to continue for the rest of 2016, and if we assume the same ratio of commencements to completions with a one year lag, there should be around 20,000 units completed in This number should be acknowledged in the context of one-off units accounting for between 35% to 40% of all completions in 2014 and Chart 1 - Housing Supply Activity (Units) 25,000 20,000 15,000 10,000 5, Commencements Completions Permissions Source: DoECLG In addition to commencements data, planning permissions are a good indicator of potential future housing supply. In 2015 planning permissions were granted for 13,595 residential units. This compares to 7,624 and 7,861 units that received planning permission in 2013 and 2014, respectively. More encouragingly still, only around 25% of these permissions were for one-off units compared with around 40% in 2013 and 2014 and around 52% back in Dublin and Dublin commuter areas (Louth, Meath, Kildare and Wicklow) accounted for just over 60% of
4 COMMENTARY BPFI HOUSING MARKET MONITOR Q1/2016 planning permissions granted in 2015 compared with around 50% in 2013 and Shortage of supply of new housing units has been putting significant pressure both on the availability and the price of rental accommodation since According to the latest daft.ie Rental Report, there were just 3,082 properties on the market nationwide at the start of May, the lowest on record, compared to a peak of nearly 24,000 in mid-2009 and over 7,200 two years ago. The same report shows that annual inflation in rents in Dublin remained between 8% and 9% while outside Dublin the rate of inflation was just below 10%. This represents an annualised rate of rental inflation of around 9.6% since the second quarter of While cash has always played some part in the market over time, cash sales have become a significant feature of housing market activity in Ireland over the past few years. Using loanlevel data and Property Services Regulatory Authority data, BPFI s own analysis of transactions shows that, as of Q1 2016, cash purchases accounted for 47% of all transactions. That compares with an estimated 35% in the UK, according to the Council for Mortgage Lenders. However there are significant regional variations with cash sales accounting for a high of 75% of all transactions in county Leitrim and a low of around 29% in county Kildare. We estimate that in Dublin cash sales accounted for around 37% of all transactions in the first quarter of 2016 compared to around 40% in Q Chart 2 - Cash Sales as % of Residential Property Sales 70% 60% 50% 40% 30% 20% 10% Kildare Meath Dublin Wicklow Cork Monaghan Laois Offaly Louth Sligo Kilkenny Source: BPFI based on BPFI and Property Services Regulatory Authority data Ali Uğur, Economist and Head of Tax & Accounting, Banking & Payments Federation Ireland Galway Tipperary Limerick Westmeath Carlow Kerry Clare Waterford Mayo Cavan Roscommon Wexford Donegal Longford Leitrim National
5 HOUSING SUPPLY Source: DoECLG New dwellings completed More than 3,100 new homes were completed in the first three months of Compared to the same period in 2015, this marks a 20% increase in the number of new homes built in year-on-year terms. Following three quarters of declining completions in Dublin, the latest figures represent a rebound in activity in the capital, with just over 1,000 new homes built between January and March, compared to 652 in the same period in Munster, including the cities, has also seen a strong increase in completions (up 29%). Elsewhere in the country, the number of new homes built was similar to the same quarter in 2015 (up 7% in Leinster, down 2% in Connacht-Ulster). 3,500 3,000 2,500 2,000 1,500 1, Q1 Q2 Q3 Q4
6 HOUSING SUPPLY Commencement of New Dwellings 5, Source: DoECLG Nearly 2,100 new homes were started in the first three months of This represents a 57% increase in activity compared to the same period in 2015 when 1,327 new homes were started. 5,000 2,500 // There was a strong increase in activity across the country, with commencements in Dublin, Munster and the rest of Leinster up year-on-year by 50%, 67% and 80%, respectively. Commencements in Connacht-Ulster rose by 18%. 2,000 1,500 1, Q1 Q2 Q3 Q4 Truncated y-axis: Figure for Q ,249; figure for Q ,708
7 HOUSING SUPPLY Properties listed for sale Source: Daft.ie The first three months of 2016 saw just over 12,100 properties listed for sale, 9% below the same period in 2015 but significantly above the same three months in previous years. This marked two consecutive quarters of declining listings, in year-on-year terms, following ten quarters of growth between 2013 and For the second quarter in a row, the fall-off in listings was greatest in Dublin (-12%) and in Connacht-Ulster (-19%). Declines were seen in all parts of the country, although the decline was very small in the four cities outside Dublin. 16,000 14,000 12,000 10,000 8,000 6,000 4,000 2,000 Q1 Q2 Q3 Q4
8 HOUSING SUPPLY Properties listed for rent Source: Daft.ie The first quarter of 2016 saw just under 17,000 properties listed for rent, less than half the number listed for rent in the same three months in 2011 or The figure represents a 17% fall in the volume of listings, compared to the same period in 2015, and means that listings have fallen year-on-year in each of the 17 quarters since the start of the series. 30,000 25,000 20,000 15,000 The drop in listings in Dublin and in the four other cities was in line with the national average. There was a slightly greater fall in Munster (23%) and the decline in listings was smallest in Leinster outside Dublin (13%). 10,000 Q1 Q2 Q3 Q4
9 HOUSING PRICES & RENTS 24% 20% 16% 12% 8% National Ex-Dublin Dublin Transaction Prices 4% 0% Residential property prices rose by 7.4% in the year to March 2016, according to official CSO figures. This represents a slight increase in residential property price inflation, which had fallen to 6.6% in December, but inflation remained well below the high of 16.8% in March % -8% -12% Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q Source: CSO Inflation in residential property prices remained subdued in Dublin, at 3.9%, although this was up slightly on the December figure (2.6%). Outside the capital, house price inflation remained at close to 10% for the sixth successive quarter at 10.5% in March. 25% 20% Dublin Leinster National List Prices As in previous quarters, list prices show a very similar trend to transaction prices but allow a more detailed breakdown by region. The figures show a 6.1% year-on-year increase nationally, compared to 8.5% three months ago and 15.5% in the first quarter of % 10% 5% 0% Munster Other cities Connacht-Ulster Inflation in list prices in the capital was 1.2% in the first quarter of 2016, its lowest level since the market bottomed out in early Inflation in the rest of Leinster continues to ease off, reaching 8.6% in Q1 2016, compared to 21% in Q Munster inflation fell from 13.7% in December to 8.9% in March, but was steady at 10.4% in Connacht- Ulster. List price inflation remains highest in the cities outside Dublin (15.2%), the fourth quarter in a row that this has been the case. -5% -10% -15% -20% Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q Source: Daft.ie
10 HOUSING PRICES & RENTS List Rents Inflation in listed rents nationwide rose from 9.0% in Q to 9.3% in Q The national rate of inflation has now been close to 10% for eight successive quarters, although this has changed from being driven by Dublin to being driven by the rest of the country. 16% 14% 12% 10% 8% 6% 4% BPFI HOUSING MARKET MONITOR Q1/2016 Dublin Leinster National Munster Other cities Connacht-Ulster In Dublin, the rate of inflation was 8.8% in the first quarter of 2016, down from a high of 15% in mid In the other cities, rents inflation has doubled in the same time, from 7% to 14.1%. Elsewhere, rental inflation is highest in the rest of Leinster (10.8%) and lowest in Connacht-Ulster (6%) in Munster the rate of inflation is 7.4%. 2% 0% -2% Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q Source: Daft.ie Average Rents Nationwide*, the average rent charged in the final quarter of 2015 (the latest figures available as of mid-may) was 884, up from a low of 772 in mid-2012 but still well below the 2008 peak of just under 1,000. 1,300 1,200 1,100 1, Dublin Leinster National Munster Connacht-Ulster Rents in Dublin are substantially higher than this, with an average rent of 1,239, up from a low of 1,020 in Q Rents in Leinster are slightly above the average for Munster, at 741 and 693 respectively. Rents in Connacht-Ulster are the lowest of the five regions shown, with average rents in the final quarter of 2015 of just over * Note: Nationwide, Leinster, Munster and Connacht-Ulster figures are derived from countylevel PRTB figures, which are weighted using county-level data from the 2011 Census on the number of households in rental accommodation. 400 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q Source: PRTB
11 PROPERTY TRANSACTIONS & MORTGAGES 5, Property Transactions 5,000 In the first quarter of 2016, the number of property transactions in Ireland was just over 9,400, This represents a fall of 11% compared to the same three months of 2015 and is the second quarter in a row of falling transactions in year-on-year terms. This follows sixteen straight quarters of rising transaction levels, from a low of 3,500 in early 2011 to a high of nearly 16,000 in late The fall was greatest, proportionately, in Connacht- Ulster (17%) and in Leinster (13.9%). Dublin saw a 9.1% fall in transaction volumes, while Munster saw a 7.9% fall. 4,500 4,000 3,500 3,000 2,500 2,000 1,500 1, Dublin Leinster Munster Connacht - Ulster Source: RPPR * Note: These numbers are based on transactions registered with the Residential Property Price Register by mid-may 2016 and are subject to revision.
12 PROPERTY TRANSACTIONS & MORTGAGES 9, Source: BPFI Mortgage Approvals 8,000 Mortgage approvals offer an early indicator of credit conditions in the mortgage market. The first quarter of 2016 saw just over 6,000 mortgages approved, based on a threemonth moving average, a 14% fall compared to the same period in The vast majority (over 5,200) of the approvals relate to house purchases, rather than refinancing or equity release. 7,000 6,000 5,000 4,000 Mortgage Drawdowns Given the nature of the housing market, the volume of mortgage drawdowns generally reflects transaction levels and again offers an indicator of credit conditions. Just under 5,450 mortgages were drawn down between January and March, of which nearly 4,700 related to property purchase. This represents a decline of 3% on the same period in 2015 and the first time since late 2013 that drawdowns fell in year-on-year terms. Nonetheless, the figure for Q marks the second highest return for the first three months of the year for the six years in the series. 3,000 2,000 1,000 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Approvals Drawdowns
13 ABOUT THE REPORT The information presented here is based on a range of publicly available reports and datasets and collated by Identify Consulting for Banking & Payments Federation of Ireland. It is intended to bring together the range of housing and mortgage market data available and to constructively inform on-going analysis and assessment of the housing and mortgage market. Figures are presented by quarter and by region, where possible. Unless otherwise specified, quantities given for particular quarters (and/or regions) are totals, while prices are averages for the entire quarter. The sources used for compiling the report are as follows: the Department of the Environment, Community & Local Government [dwelling completions and commencements] the Central Statistics Office [transactions price index] the Residential Property Price Register [number of transactions] the Private Residential Tenancies Board [average rents] Daft.ie [number of properties listed for sale and for rent; indices of list prices and rents] Banking & Payments Federation of Ireland [mortgage approvals and drawdowns]
14 Design by roomthree.com
THE TREND OF MODERATE HOUSE PRICE GROWTH CONTINUES IN Q3
Q3 2015 Results Property report myhome.ie report in partnership with THE TREND OF MODERATE HOUSE PRICE GROWTH CONTINUES IN Q3 PRIVATE CLIENTS DAVY MADE A DIFFERENCE THAT MATTERS TO ME. You don t accumulate
More informationIBF HOUSING MARKET MONITOR
IBF HOUSING MARKET MONITOR Q1/2014 With a commentary by Conall Mac Coille Chief Economist, Davy Quarterly Trends: Overview Indicator Latest quarter One year ago % change Dwellings listed for sale 8,842
More informationTaxation of Illness and Occupational Injury Benefits
IT 22 Taxation of Illness and Occupational Injury Benefits ver 13.03 RPC003028_EN_WB_L_1 Introduction Illness Benefit (formerly known as Disability Benefit) and Occupational Injury Benefit paid by the
More informationRESIDENTIAL PROPERTY. Who is looking at Irish Property? FOCUS Q1 2014. Market Activity Buyer and Seller Profiles Cash Sales Prices and Rents
Savills World Research Ireland Residential RESIDENTIAL PROPERTY FOCUS Q1 214 Who is looking at Irish Property? Market Activity Buyer and Seller Profiles Cash Sales Prices and Rents savills.ie/reseach A
More informationEmployed Person Taking Care of an Incapacitated Individual
IT 47 Employed Person Taking Care of an Incapacitated Individual ver 11.09 RPC001537_EN_WB_L_2 Who can claim? You, your spouse or civil partner may claim tax relief in respect of the cost of employing
More informationTreated problem substance use in the Traveller Community. Anne Marie Carew, Jean Long, Suzi Lyons, Delphine Bellerose
Treated problem substance use in the Traveller Community Anne Marie Carew, Jean Long, Suzi Lyons, Delphine Bellerose Introduction Overview of NDTRS Profile cases from the Traveller Community seeking treatment
More informationDETERMINE YOUR OWN CLAIMS EXPERIENCE MICHAEL A WHELEHAN HEAD OF CLAIMS IPB INSURANCE
DETERMINE YOUR OWN CLAIMS EXPERIENCE MICHAEL A WHELEHAN HEAD OF CLAIMS IPB INSURANCE Agenda 1. Footpath/slips and trips 2. Road Liability claims 3. Claims cost escalation 4. A changing propensity to claim?
More informationIT 27. Tax Relief for Service Charges. ver 15.09 RPC006035_EN_WB_L_2
IT 27 Tax Relief for Service Charges ver 15.09 RPC006035_EN_WB_L_2 myaccount is a single access point for all Revenue s secure services (except ROS) and is the quickest and easiest way to manage your tax
More informationNational Daily Newspapers. National Weekly Newspapers. Regional Newspapers. Page 1 of 4
National Daily Newspapers Irish Times Independent Star Examiner Publications The Evening Echo Fortune Green Irish Times Irish Independent Irish Daily Star Irish Examiner Evening Herald Evening Echo Metro
More informationCapita Asset Services (Ireland) Limited acting as Operator of the SME Credit Guarantee Scheme
1 st Quarter Report of 2015 to the Minister for Jobs, Enterprise and Innovation detailing the analysis and performance of the SME Credit Guarantee Scheme at 31 st March 2015 Capita Asset Services (Ireland)
More informationChildminding Ireland. Employing a Nanny. A Tax Guide for Parents
Childminding Ireland Employing a Nanny A Tax Guide for Parents 2012 Domestic Employments: An individual who makes payments to an employee in a domestic employment need not register as an employer where:
More informationVol. 2012, No.3. Abstract
The Irish SME lending market - a snapshot, December 2010 Martina Lawless and Fergal McCann Lawless and McCann, SME Lending Snapshot Economic Letter Series Vol. 2012, No.3 Abstract The Prudential Capital
More information.ie Domain. Profile Report
.ie Domain Profile Report July 2015 Foreword Today marks the publication of IEDR s first Domain Profile Report. The IE Domain Registry (IEDR) is responsible for the management and administration of Ireland
More informationHome Renovation Incentive Guide for Homeowners or Landlords
Home Renovation Incentive Guide for Homeowners or Landlords This Guide updates the September 2015 version December 2015 myaccount is a single access point for all Revenue s secure services (except ROS)
More informationGuide to taxation of Married Couples and Civil Partners
RPC007325_EN_WB_L_2 IT 2 Guide to taxation of Married Couples and Civil Partners ver 16.04 myaccount is a single access point for all Revenue s secure services (except ROS) and is the quickest and easiest
More informationRE: ALTERING THE STRUCTURE OF HOUSEHOLD WASTE COLLECTION MARKETS A DISCUSSION DOCUMENT JUNE 2011
2 nd September 2011 Mr. Eoin Corrigan Department of Environment, Community and Local Government Custom House Dublin 1 Dear Mr. Corrigan RE: ALTERING THE STRUCTURE OF HOUSEHOLD WASTE COLLECTION MARKETS
More informationTax Credits and Reliefs for Over 65 s
Tax Credits and Reliefs for Over 65 s INTRODUCTION This is a guide to the tax credits and reliefs available to people aged 65 or over. After you have read this guide, you may require some of the more detailed
More informationMicrofinance Ireland Microenterprise Loan Fund Scheme for the period to 30 th June 2013
Microfinance Ireland Microenterprise Loan Fund Scheme for the period to 30 th June 2013 This financing benefits from a guarantee issued under the European Progress Microfinance Facility established by
More informationCyclist Injuries A Review of 2012 Casualties. Research Department, 6th August 2014. Údarás Um Shábháilteacht Ar Bhóithre Road Safety Authority
Cyclist Injuries A Review of 2012 Casualties Research Department, 6th August 2014 Údarás Um Shábháilteacht Ar Bhóithre Road Safety Authority A review of cyclist casualties in 2012 This report has been
More informationQuarterly National Household Survey
3 May 006 Average cost of paid childcare per household per week classified by region, December-February 005 Border Midland West Dublin Mid-East Mid-West South-East Published by the Central Statistics Office,
More informationHome Renovation Incentive scheme (HRI) Guide for Homeowners. Relevant to qualifying works carried out and paid for before April 2014
Home Renovation Incentive scheme (HRI) Guide for Homeowners Relevant to qualifying works carried out and paid for before April 2014 December 2013 Contents 1. What is the Home Renovation Incentive (HRI)
More informationTobacco Free Campus Policy
Tobacco Free Campus Policy Guidance on Implementation The implementation of the Tobacco Free Campus (TFC) Policy will require a number of resources and supports. In some cases, a local TFC Implementation
More informationEarly Leavers What Next?
Early Leavers What Next? Report on Early Leavers from Post-Primary Schools Pupils Enrolled in 2010/2011 and not in 2011/2012 March 2016 This report may be accessed at: Early Leavers - What Next? For further
More informationGuide to your payments
Guide to your payments Contents 03 Understanding your payments 04 I have an approved retirement fund 10 I have an annuity 14 A guide to your Tax Credits and Universal Social Charge Certificate 18 Revenue
More informationTreated problem alcohol use in Ireland. 2012 figures from the National Drug Treatment Reporting System
Treated problem alcohol use in Ireland 2012 figures from the National Drug Treatment Reporting System National Health Information Systems, Health Research Board, April 2014 Summary This update presents
More informationIT72 Tax treatment of shares acquired by employees and directors under Unapproved Share Option Schemes
IT72 Tax treatment of shares acquired by employees and directors under Unapproved Share Option Schemes RPC004963_EN_WB_L_1 1. Introduction 1.1 Overview This Explanatory Leaflet is aimed at the individual
More informationPOPULATION AGEING IN IRELAND. Projections 2002-2021
POPULATION AGEING IN IRELAND Projections 2002-2021 Peter Connell (Information System Services, Trinity College Dublin) Dr. Dennis Pringle (Department of Geography and National Institute of Regional and
More informationHRB Trends Series. Trends in treated problem alcohol use in Ireland, 2004 to 2006. Summary. Contents
HRB Trends Series 1 Trends in treated problem alcohol use in Ireland, 2004 to 2006 Sarah Fanagan, Siobhán Reynolds, Deirdre Mongan and Jean Long Summary National Drug Treatment Reporting System Contents
More informationRespite Services for Children with Life-Limiting Conditions and their Families in Ireland. Ó A National Needs Assessment
Respite Services for Children with Life-Limiting Conditions and their Families in Ireland Ó A National Needs Assessment Published 2013 Ó Contents Foreword Executive Summary Section 1: Introduction to respite
More informationLump Sum Payments (Redundancy or Retirement)
IT 21 Lump Sum Payments (Redundancy or Retirement) Ver. 14.07 RPC005008_EN_WB_L_1 Introduction In general, all payments made by employers to employees and directors are regarded as Pay for tax purposes
More informationCycle to Work Scheme
Cycle to Work Scheme Frequently Asked Questions What is the purpose of the scheme?... 2 When did the scheme come into effect?... 2 What are the benefits of the scheme for employees/directors?... 2 What
More informationT he Participation Support Team for Comhairle na nóg
The Networking Events 2014 T he Participation Support Team for Comhairle na nóg organised and ran four Young People s Networking Events around the country in April 2014. One was held in Limerick, one in
More informationAEGI. What does the AEGI offer? Will it cost anything? What is the Adult Educational Guidance Initiative (AEGI)? Who is it for? Definition of Guidance
AEGI Adult Educational Guidance Initiative What is the Adult Educational Guidance Initiative (AEGI)? The AEGI is a Department of Education and Skills funded initiative which provides a quality educational
More informationPresentation on the MOMENTUM Programme
Presentation on the MOMENTUM Programme MOMENTUM Projects are supported by both the Irish Government and the European Social Fund Ciarán Conlon, Director FÁS National Programmes & Standards Investing in
More informationThe Irish Mortgage Market: Stylised Facts, Negative Equity and Arrears
85 Gerard Kennedy and Tara McIndoe-Calder 1 Abstract This paper uses loan-level data from the residential mortgage books of four Irish credit institutions, as at December 21. The focus of the paper, is
More informationLandfill Gas In Ireland - The Facts
Landfill Gas In Ireland - The Facts Almost two million tonnes of municipal solid waste (MSW) were generated in Ireland in 1998, over 90% of which was consigned to landfill. At landfill, bacteria cause
More informationA Review of Public Liability Awards 2007 & 2008
A Review of Public Liability Awards 2007 & 2008 June 2009 Introduction During these tough economic times, some companies and organisations who admit the public to their facilities may be tempted to cut
More informationAnnual Motor Insurance Seminar Gearing up for the future. Tuesday 18 November 2014 Conrad Hotel, Dublin
Annual Motor Insurance Seminar Gearing up for the future Tuesday 18 November 2014 Conrad Hotel, Dublin Glenn Gillard Partner, Head of Insurance 3 4 5 Nov 2013 Apr 2014 July 2015 Sept 2014 Nov 2014 New
More informationApplying in person for Probate
Applying in person for Probate High Court What is Probate? When a person dies, it is sometimes necessary to apply to the Probate Office for Probate. This is a legal process which authorises someone to
More informationOur vision: A national culture where all commit to safe and healthy workplaces and the safe and sustainable management of chemicals
10 Summary of Workplace Injury, Illness and Fatality Statistics 2009-2010 Our vision: A national culture where all commit to safe and healthy workplaces and the safe and sustainable management of chemicals
More informationPre-Budget 2016 Submission
ACTIVE RETIREMENT NETWORK IRELAND MISSION STATEMENT ARNI will reach out to all older people to end loneliness through friendship and support Pre-Budget 2016 Submission June 2015 1. Introduction 1.1 About
More informationTO BOARDS OF MANAGEMENT, PRINCIPAL TEACHERS AND TEACHING STAFF IN PRIMARY SCHOOLS
Circular 0057/2013 TO BOARDS OF MANAGEMENT, PRINCIPAL TEACHERS AND TEACHING STAFF IN PRIMARY SCHOOLS Panel access for fixed-term/temporary (this includes substitute) and part-time teachers to the Supplementary
More informationSelf-harm in Ireland: Trends, risk factors and implications for intervention and prevention
Self-harm in Ireland: Trends, risk factors and implications for intervention and prevention Prof. Ella Arensman National Suicide Research Foundation Department of Epidemiology and Public Health, UCC Systematic
More informationIrish Residential Mortgage-Backed Securities Preliminary Analysis of Loan-Level Data
60 Irish Residential Mortgage-Backed Securities Preliminary Analysis of Loan-Level Data Andrew Linn, Anne-Marie Kelly and Samuel Bailey 1 Abstract The European DataWarehouse, established in July 2012,
More informationSpecial Report. September 2015
Special Report September 2015 Serious Reportable Events Thursday 26 th November 2015 Contents Section Page 1. Summary 2 2: Introduction 3 3: Establishing the SRE Framework 4 4: Analysis of SREs reported
More informationOPW HANDBOOK FOR THE CONSULTANTS DIRECT INVITATION LISTS (CDIL)
OPW HANDBOOK FOR THE CONSULTANTS DIRECT INVITATION LISTS (CDIL) FOR CONSULTANCY CONTRACTS WITH AN ESTIMATED VALUE OF LESS THAN 50,000 (EXCLUSIVE OF VAT) Table of Contents 1.0 Introduction...3 1.1 CDIL
More informationEUROPEAN AGRICULTURAL FUND FOR RURAL DEVELOPMENT (EAFRD) RURAL DEVELOPMENT PROGRAMME (RDP) 2014-2020 IRELAND LEADER
EUROPEAN AGRICULTURAL FUND FOR RURAL DEVELOPMENT (EAFRD) RURAL DEVELOPMENT PROGRAMME (RDP) 2014-2020 IRELAND LEADER Acknowledgement with gratitude to Fáilte Ireland and Waterford Leader Partnership for
More informationAPPLICATION PACK FOR CONTRACTORS APPLYING FOR A FIRST LICENCE
APPLICATION PACK FOR CONTRACTORS APPLYING FOR A FIRST LICENCE (Contains Guidelines for Contractors applying for a First Licence and includes Application Form and Garda Vetting Form) April 2015 PSA 45-N-2015
More informationHousing Assistance Payment Landlord Information Leaflet
Landlord Information Leaflet Table of Contents 1. What is Housing Assistance Payment (HAP)? 3 2. When will HAP be available? 3 3. Where will HAP be available? 3 4. How will HAP Work? 3 5. What are the
More informationHouse prices, credit & supply: Lessons from Ireland s recent past. Ronan Lyons TCD Policy Institute event, June 10 th 2014
House prices, credit & supply: Lessons from Ireland s recent past Ronan Lyons TCD Policy Institute event, June 10 th 2014 Is all analysis of Irish housing doomed? David McWilliams, A sneaking sense of
More informationCode of Practice for Determining Employment or Self-Employment Status of Individuals.
Code of Practice for Determining Employment or Self-Employment Status of Individuals. Code of Practice in determining Employment status This leaflet was prepared by the Employment Status Group set up under
More informationAll Ireland Roundwood Production Forecast 2011-2028. Henry Phillips
All Ireland Roundwood Production Forecast 2-228 Henry Phillips All Ireland Roundwood Production Forecast 2-228 Henry Phillips COFORD Department of Agriculture, Fisheries and Food Agriculture House Kildare
More informationNATIONAL WASTE COLLECTION PERMIT OFFICE
OFFALY COUNTY COUNCIL AS THE NATIONAL WASTE COLLECTION PERMIT OFFICE NEW Waste Collection Permit Application Form & Waste Collection Permit REVIEW Application Form Applicant Name: Telephone Number: Postal
More informationREFERENDUM RESULTS PUBLISHED BY THE DEPARTMENT OF THE ENVIRONMENT, COMMUNITY AND LOCAL GOVERNMENT DUBLIN
REFERENDUM RESULTS 1937 2015 REFERENDUM RESULTS 1937 2015 PUBLISHED BY THE DEPARTMENT OF THE ENVIRONMENT, COMMUNITY AND LOCAL GOVERNMENT DUBLIN AVAILABLE TO DOWNLOAD (in pdf format) AT WWW.ENVIRON.IE
More informationLife insurance Claims MEDIA COVERAGE
Life insurance Claims MEDIA COVERAGE SUMMARY OF COVERAGE please scroll on to articles. DATE MEDIA ARTICLE PRINT 16 th March 2014 12 th March 2014 12 th March 2014 12 th March 2014 12 th March 2014 12 th
More informationApproved Hospitals, Scan Centres and Treatment Centres
Maternity Out-patient List of Cover For Us Approved Hospitals, Scan Centres and Treatment Centres Hospital Cover For All Of Us Travel Sports Cover Out-patient Scan Maternity International Health & Travel
More informationHonda - Approved Authorised Treatment Facilities (ATF's)
Contact List July 2014 Carlow Company Name : Car Salvage Ireland Address : Clonagoose, Fenagh Road, Borris, Co. Carlow Tel / Fax : Tel: 059 9773551 Cavan Company Name : Cavan Car Parts Address : Crimlin,
More informationSME Market Report. Overview 2015 H1
SME Market Report 2015 H1 The Central Bank of Ireland s SME Market Report is compiled by economists in the Financial Stability Division and aims to collate information from a wide range of internal and
More informationSocial Welfare Support. A guide for cancer patients
Social Welfare Support A guide for cancer patients Social Welfare Support A Guide for Cancer Patients This booklet gives information about social welfare support for cancer patients. If you have cancer
More informationWASTE COLLECTION PERMIT APPLICATION FORM
Version 3.1 WASTE COLLECTION PERMIT APPLICATION FORM Guidance Notes & Application Form For Both New & Review Waste Collection Permit Applications Applicant Name: Telephone Number: Postal Address: FORM
More informationBank of Ireland. Joint Oireachtas Committee on Finance, Public Expenditure and Reform 29 April 2015
Bank of Ireland Joint Oireachtas Committee on Finance, Public Expenditure and Reform 29 April 2015 Information disclosed or capable of being disclosed to market generally Forward looking statement This
More informationSummary of Workplace Injury, Illness and Fatality Statistics 2010-2011
11 Summary of Workplace Injury, Illness and Fatality Statistics 2010-2011 Our vision: A national culture where all commit to safe and healthy workplaces and the safe and sustainable management of chemicals
More informationLandlord Information Booklet Your questions answered
Your questions answered Údaráis Áitiúla Éireann Local Authorities Ireland V.2 May 2015 Table of Contents About this booklet 1 What is Housing Assistance Payment (HAP)? 2 What are the benefits of HAP for
More informationDirectory of Hospitals (and Treatment Centres) IDA Business Park, Purcellsinch, Dublin Road, Kilkenny.
Directory of Applicable to new registrations or renewals on/or after 1st January 2014. Voluntary Health Insurance Board An Bord Árachais Sláinte Shaorálaigh Postal Address: IDA Business Park, Purcellsinch,
More informationAdoption in Ireland today
Adoption in Ireland today for birth parents considering adoption 1 This is the second booklet in a series of three for birth parents considering adoption 2 This booklet focuses on infant adoption. For
More informationThe Economic & Financial Significance of the Irish Greyhound Industry.
The Economic & Financial Significance of the Irish Greyhound Industry. A Report prepared for the Irish Greyhound Board by Jim Power. M.Econ.Sc. April 2010 TABLE OF CONTENTS Page 3 Executive Summary Page
More informationPrice signals in illiquid markets: The case of residential property in Ireland, 2006-2012. Ronan C. Lyons. TEP Working Paper No. 0613.
Price signals in illiquid markets: The case of residential property in Ireland, 2006-2012 Ronan C. Lyons TEP Working Paper No. 0613 December 2013 Trinity Economics Papers Department of Economics Trinity
More informationTHE HOME CARE SOLUTION:
ManAgeing Table the Symptoms of Contents of Alzheimer s: The Home Care Solution An Introduction...3 Where to Begin to Find Home Care Services...4 What is Home Care?...4 When More Help Is Needed...4 The
More informationCounty Enterprise Centres Directory
Carlow County Enterprise Centres Directory Enterprise House Address: O'Brien Road, Carlow Telephone: 059 9130880 reception@carlow-ceb.com www.enterprisehouse.ie Cavan Killygarry Enterprise Centres (Phases
More informationHome Care Package Scheme. Information Booklet
Home Care Package Scheme Health Tips for Older People Keep active Regular physical activity reduces your risk of chronic diseases, such as coronary heart disease, type 2 diabetes, stroke, cancer, osteoporosis
More informationIreland and the EU 1973-2003 Economic and Social Change
Ireland and the EU 1973-2003 Economic and Social Change Table 1 Population, 1971-2002 viii Table 2 Population of the provinces ix Table 3 Births, deaths and life expectancy ix Table 4 Numbers in education
More informationHealth Status and Health Service Utilisation
An Phríomh-Oifig Staidrimh Central Statistics Office 31 August 2011 Fig. 1 Type medical cover held, Q3 2010 Both 6% Neither 23% Private Health Only 41% Medical Card Only 30% Published by the Central Statistics
More informationBoardmatch Ireland Sample of board positions from www.boardmatchireland.ie (1)
Boardmatch Ireland (1) Organisation (2) Area of service Location Position name Position description Organisation supporting and promoting volunteering in Carlow. Volunteerism Carlow Board Members Join
More informationService to practitioners and business taxpayers
Revenue s Service to Practitioners and Business Taxpayers Table of Contents 1. Introduction... 2 2. Information seeking... 4 3. Non-technical or simpler technical queries... 5 4. Revenue Technical Service...
More informationNational Overview Meeting on Addiction Services. in Mental Health Services
National Overview Meeting on Addiction Services in Mental Health Services Introduction In 2011 as in other years, the Inspectorate was interested in looking at a range of mental health services on a national
More informationA Portrait of. Published in partnership with. Published in 2014 by The Wheel 48 Fleet Street Dublin 2
A Portrait of Ireland s Non-profit Sector Published in partnership with Published in 2014 by The Wheel 48 Fleet Street Dublin 2 All rights reserved. No part of the publication may be reproduced, stored
More informationTHE NEXT STEPS. Contacts and Resources. East & Midlands East
THE NEXT STEPS Contacts and Resources Your Local Team Fáilte Ireland Dublin Fáilte Ireland East & Midlands Fáilte Ireland North West Fáilte Ireland South East Fáilte Ireland South West Fáilte Ireland West
More informationAccess to Specialist Palliative Care Services and Place of Death in Ireland. What the data tells us. IHF Perspectives Series: No 2
Access to Specialist Palliative Care Services and Place of Death in Ireland What the data tells us IHF Perspectives Series: No 2 Access to Specialist Palliative Care Services and Place of Death in Ireland
More informationPublished by the Stationery Office, Dublin, Ireland. To be purchased from the: or through any bookseller.
An Phríomh-Oifig Staidrimh Central Statistics Office Published by the Stationery Office, Dublin, Ireland. To be purchased from the: Central Statistics Office, Information Section, Skehard Road, Cork, Government
More informationImproving Accessibility to SPSV Services
Improving Accessibility to SPSV Services Commission for Taxi Regulation s Regulatory Impact Analysis (RIA) of proposed actions for building on progress to date October 2009 Table of Contents TABLE OF CONTENTS...
More informationSustaining Progress: Social Partnership Agreement
Sustaining Progress: Social Partnership Agreement Second Progress Report to the Social Partners on the Implementation of the Affordable Housing Initiative Des Geraghty December 2004 1 2 Contents: Summary
More informationTHE ARLA REVIEW & INDEX
THE ARLA REVIEW & INDEX for Residential Investment FOURTH Quarter 2014 Fourth Quarter 2014 Compared with three months ago, the average weighted rental return for houses is up from 5.0% to 5.1%, its second
More informationPlan P Rules. 1) Definitions. Terms and Conditions of Membership
Plan P Rules Terms and Conditions of Membership Applicable to new registrations or renewals on/or after 1st January 2010. Please read and retain for future reference. Subsequent rules changes will be communicated
More informationARLA Members Survey of the Private Rented Sector
Prepared for The Association of Residential Letting Agents ARLA Members Survey of the Private Rented Sector Fourth Quarter 2013 Prepared by: O M Carey Jones 5 Henshaw Lane Yeadon Leeds LS19 7RW December,
More informationName of Public Unit Address 1 Address 2 Address 3 Telephone
EFFECTIVE FROM 1st AUGUST 2010 to 31st JULY 2011 DATE MODIFIED 22/03/2011 Name of Public Unit Address 1 Address 2 Address 3 Telephone Average Weekly Cost Carlow Sacred Heart Hospital Old Dublin Road Carlow
More informationGARDA SÍOCHÁNA OMBUDSMAN COMMISSION
ANNUAL REPORT: 2014 GARDA SÍOCHÁNA OMBUDSMAN COMMISSION 9 th ANNUAL REPORT CONTENTS Executive Summary 5 Introduction 7 section 1: Complaints 9 Chart 1. Circumstances of complaints 10 Chart 2. Allegation
More informationWorkforce Planning in the Local Government Sector September 2012.
Workforce Planning in the Local Government Sector September 2012. 1 Table of Contents 1. Overview and summary recommendations 1.1 Terms of reference 1.2 Study Influences 1.3 Data Analysis 2. Overview of
More informationESB Networks Perspective on Microgeneration
ESB Networks Perspective on Microgeneration Presentation to DIT Seminar 13 th November 2009 Tony Hearne Manager, Generation Planning ESB networks Brendan O Connor Commercial Policy ESB networks Micro-generation
More informationCollection Manual. Guidelines to Using The Court Process To Pursue Tax Liabilities
Collection Manual Guidelines to Using The Court Process To Pursue Tax Liabilities February 2013 1 Contents Part 1 Guidelines to using the Court Process to pursue Tax Liabilities...4 1. Summary...4 2. Introduction...4
More informationContents. 8 - How to Find the Course You Want3 18. National Learning Network 2. Welcome from the Director of Training and Employment, Rehab Group 3
Prospectus Contents National Learning Network 2 Welcome from the Director of Training and Employment, Rehab Group 3 About National Learning Network 4-14 National Learning Network - 15 - Certifications
More informationNational Transport Model. Demographic and Economic Forecasting Report
Table of Contents Page 1.0 Introduction... 5 1.1 Overview... 5 1.2 Model Structure... 5 1.3 Purpose of Report... 6 1.4 Overview of Approach... 6 1.5 Structure of Report... 7 2.0 Population and Job Projections...
More informationSummary of Workplace Injury, Illness and Fatality Statistics 2011-2012
12 Summary of Workplace Injury, Illness and Fatality Statistics 2011-2012 Our vision: A country where worker safety, health and welfare and the safe management of chemicals are central to successful enterprise
More informationNational Directorate Fire and Emergency Management
Keeping Communities Safe A Framework for Fire Safety in Ireland Comhshaol, Pobal agus Rialtas Áitiúil Environment, Community and Local Government National Directorate for Fire andfor Emergency Managem
More informationA guide to managing your money and dealing with debt. Prepared on behalf of The Money Advice and Budgeting Service (MABS)
A guide to managing your money and dealing with debt Prepared on behalf of The Money Advice and Budgeting Service (MABS) Money problems can result from many things a change in circumstances perhaps that
More informationWorking together to make a difference for children. Information for Parents. National Educational Psychological Service
Working together to make a difference for children Information for Parents National Educational Psychological Service Who are we? NEPS stands for the National Educational Psychological Service. It is a
More informationFocus on Urban Waste Water Discharges in Ireland
Focus on Urban Waste Water Discharges in Ireland Environmental Protection Agency The Environmental Protection Agency (EPA) is a statutory body responsible for protecting the environment in Ireland. We
More informationShared Services Programme within Government
Shared Services Programme within Government - Progress to Date and Planned Initiatives - Heads of Information Systems In Local Authorities Annual Conference 2012 Katherine Walshe Programme Management Office
More informationHSE 2007 Employment Control Framework and Allocation of the Health Service Executive approved employment ceiling as at the start of 2007
National Human H Resources Directorate Health Services Executive, 2 nd Floor, Dr Steeven s Hospital; Dublin 8. HSE HR Circular 04/2007 30 th March 2007 Each National Director HSE and Assistant National
More informationDanske Bank May 4th 2016 Economic Update,
Monthly update: 4 May 2016 Danske Bank Chief Economist, Twitter: angela_mcgowan Local job and investment announcements during April 2016: Over the month of April 2016 there were no new job announcements
More information