INDEX OF CIRCULARS NO DATE TOPIC May-82 Loan Approvals Jul-82 Loan Payments Aug-82 Loan Agreement Mar-83 1 Provision for 1983
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1 INDEX OF CIRCULARS 1 03-May-82 Loan Approvals 2 19-Jul-82 Loan Payments 3 05-Aug-82 Loan Agreement 4 31-Mar-83 1 Provision for Changes in Conditions 3 Payments 4 Notification of Approval & Loan Payments Form 5 Remitting of Repayments to the Agency 6 Mortgage Redemption 7 Additional Repayments 8 Mortgage Subsidy 9 Insurance 10 Notification of Changes in Income 11 Application Fee 12 Statistics 5 24-Jun-83 1 Interest Rates 1982/ Statements of Account at 30 June Remitting of Repayments to the Agency 4 Insurance 6 29-Jun-83 Interest rate June Oct-83 1 Interest Rates 2 Special Repayments 3 Early Redemptions 4 Transfer of Mortgage 8 28-Feb-84 Suspension of the CRV System 9 03-Apr-84 Progress Report Jun-84 1 Follow up procedures of HFA Accounts in Arrears 2 Provision for Changes in Conditions 4 Return of Cheques 5 Commission payable to Local Authorities Jun-84 Interest Rate 1983/ Jul-84 Interest Charged for 1983/1984 on HFA Loans Oct-84 Interest rates Oct 84
2 14 17-Dec-84 1 Loan Approval Notification 2 Capital Allocation for Loan Repayments 4 5,000 Grant Jan-85 5,000 Grant for LA tenants Feb-85 Capital Allocation for Mar-85 Increased VAT on new Houses Mar-85 Loan Repayments Mar-85 Review at 31st March Jun-85 Interest Rates 1984/ Jan-86 Quarterly review at 30/09/95 Review at 31st December Jun-86 Interest Rate 1985/ Sep-86 1 Loan Agreements 2 Procedures for drawing funds 3 Repayment of Loans 4 Loan Payment Notification Oct-86 Quarterly review of Loan Activity Oct-86 Loan Agreement Nov-86 Expenditure Estimates Dec-86 1 Increase in Intererest Rate charged 2 Mortgage Subsidy Dec-86 Interest Rates Feb-87 Loans pre 1st July Mar-87 Quarterly review of Loan Activity May-87 Mortgage Subsidy May-87 Report on Repossessed Houses Jun-87 Options to repay HFA loans Annuity Basis Jun-87 Revision of Interest Rates Jul-07 Bad Debts Provision 1986/ Dec-87 Quarterly review of Loan Activity Jan-88 Report on Repossessed Houses Feb-88 Supplemental Loan Agreement Feb-88 Revision of Interest rates May-88 Report of Committee on arrears on income related loan repayments May-88 Revision of Interest Rate on Loans to Local Authorities Jun-88 1 Bad debts Provision 1987/ Repossesions 3 Arrears Jun-88 1 Interest Rate 1987/1988
3 2 Procedures for year ended 30th June HFA Loans repaid on an annuity basis 4 Agreement of balances on borrowers accounts at 30th June LA's with DPS6 Facility 6 Timetable for the y/e 30th June Reminder of Household Insuramce Jun-88 No further payments on Loans approved pre 1/7/ Jul-88 Revision of Interest Rates on Loans to Local Authorities Aug-88 HFA Mortgage Protection Plan Nov-88 Analysis of Monthly Repayments Returns Dec-88 Report of Committee on arrears on income related loan repayments Mar-89 MPI & Mortgage Sudsidy Apr-89 Contingency Insurance on Repossessed Houses Apr-89 1 Monthly Repayment Returns 2 Quarterly Arrears Report Apr-89 Revision of Interest Rate on Income Related Loans Apr-89 1 Mortgage Protection Insurance 2 Mortgage Subsidy May-89 Revision of Interest Rate Jun-89 Mortgage Protection Insurance Jun-89 1 Revision in Interest Rate charged on Variable Rate Loans 2 Increase on interest charged on Variable Rate Loans 3 Summary of Interest Rates for 1988/ HFA loans repaid on an Annuity Basis 5 Agrrement of Borrowers Account Balance at 30th June Accounting Timetable for the year ended 30th June Mortgage Subsidy and Household Insurance Reminder 8 Review of Loan Demand Jun-89 1 Bad Debts Provision 1989/ Oct-89 Quarterly Review pof Loan Activity Nov-89 Commission Payable to Local Authorities Dec-89 1 Increase in Interest Rate charged on Variable Loan 2 Annual Report Feb-99 Commission payable to Local Authorities May-90 Increase in interest rate charged on variable rate loans Jun-90 Mortgage Protection Insurance Jun-90 Bad Debts Provision 1989/ Jun-90 1 Interest Rates 1989/ HFA Loans paid on an Annuity Basis
4 3 Agreement of borrowers account balance at 30th June Accounting Timetable for Year End 30th June Mortgage Subsidy & Household Insurance Reminder 6 Transfer of Mortgage 7 Review of Loan Demand 8 Redemptions Aug-90 Mortgage Protection Insurance Aug-90 Decrease in the interest rate charged on variable rate loans Nov-90 Decrease in the interest rate charged on variable rate loans Feb-91 Increase in interest rate charged on variable rate loans Apr-91 Decrease in the interest rate charged on variable rate loans Jun-91 1 Interest Rates 1990/ HFA Loans paid on an Annuity Basis 3 Agreement of borrowers account balance at 30th June Accounting Timetable for Year End 30th June Mortgage Subsidy & Household Insurance Reminder 6 Transfer of Mortgage 7 Review of Loan Demand 8 MPI 9 Redemptions Jul-91 Bad debts Provision 1990/ Aug-91 Decrease in the interest rate charged on variable rate loans Dec-91 Mortgage Protection Insurance Jan-92 Increase in interest rate charged on variable rate loans Feb-92 Mortgage Protection Insurance - Notification to borrowers May-92 MPI Renewal - Arrangements for notification to borrowers Jun-92 Decrease in the interest rate charged on variable rate loans Jul-92 General Procedures relating to Income Related Loans Aug-92 Direct Lending to Local Authorities 02-Nov-92 Redemption of Loans Nov-92 MPI Nov-99 Decrease in the interest rate charged on variable rate loans Jun-93 1 Interest Rates 1992/ HFA Loans paid on an Annuity Basis 3 Grants after 1st July Mortgage Subsidy & Household Insurance Reminder 5 MPI 6 Redemptions Jul-93 Bad debts Provision for 30th June 1993 and year end procedures
5 85 13-Jul-93 Decrease in the interest rate charged on variable rate loans Jul-93 Conversion to New Diskett Format Aug-93 Increase in interest rate margin on income related loans Aug-93 Conversation to New Diskette Format Nov-93 Increase in interest rate margin on index linked loans Jan-94 Loans to Local Authorities Nov-93 Mortgage Protection Insurance - Cut off Date for Claims Nov-93 Administration of Income Related Mortgages Dec-93 Certificates of Interest on Annuity Loans Jan-94 Decrease in the interest rate charged on variable rate loans Feb-94 MPI - Disability & Death Claims Jun-94 MPI - Disability & Death Claims May-94 Borrowing from the HFA July - December Jun-94 Decrease in the interest rate charged on variable rate loans Jun-94 Interest Rates 1993/ Jul-94 Bad Debt Provision for 30/6/94 & Year End Procedures Jun-94 Treatment of Redemptions Aug-94 MPI - Disability & Death Claims Sep-94 Redemption of HFA Loans Nov-94 1 Decrease in the margin on index linked/income related loans 2 Redemption of Loans by Borrowers 3 Annuity Loans Dec-94 Credit Transfer of Loan Advances Apr-95 Increase in the Interest Rate charged on Variable Rate loans Jun-95 Interest Rates 1994/ Jul-95 Bad debts Provision for 30th June 1995 and year end procedures Sep-95 Decrease in the interest rate charged on variable rate loans Oct-95 Redemptions of Fixed rate housing loans Jan-96 Decrease in the interest rate charged on variable rate loans
6 Jan-96 MPI - Notification of Borrowers Feb-96 Extension of SWA scheme to income related loans Apr-96 Loans to Local Authorities - New Loan Agreement May-96 Extension of SWA scheme to income related loans Jun-96 1 Interest Rates 1995/ Decrease in the interest charge on variable rate loans 3 New Commission Scheme 4 Household Insurance Reminder 5 Redemptions 6 Year End Computer Procedures 7 MPI Jun-96 MPI Jun-96 Year End Procedures - 30th June Aug-96 Decrease in the interest rate charged on Index Linked loans 23-Aug-96 Amendments Sep-96 MPI - Notification of Borrowers Jan-97 Mortgage Protection Insurance Payoffs Feb-97 Re: Loan Advances Mar-97 Redemption Forms Feb-97 SWA scheme and Income Related Loans Jun-97 1 Interest Rates 1996/ Commission Scheme 3 Household Insurance Reminder 4 Redemptions 5 Year End Computer Procedures 125 A 14-Jul-97 Amendment Jul-97 Year End Procedures - 30th June Aug-97 Loans to Local Authorities Sep-97 New Interest Rate Structure and revised interest rates on variable loans Oct-97 APR Calculations for Variable Rate Annuity Loans
7 Dec-97 Advances authorised under the Housing Acts - Council Resolutions Feb-98 Revision of Interest Rate on fixed rate tenant purchase loans 131(a) 04-Mar-98 Revision of Interest Rate on fixed rate tenant purchase loans Apr-98 Interest Rate Change - Shared Ownership Loans May-98 SWA scheme and Income Related Loans Jun-98 1 Interest Rates 1997/ Household Insurance Reminder 3 Redemptions 4 Year End Computer Procedures Jun-98 Year End Procedures - 30th June Jul-98 Administration of pre May 1986 income related loans to local authorities Oct-98 Reduction in certain interest rates and the cost of MPI Dec-98 Changes in interest rates on mortgage related and non-mortgage related variable rate loans issued by the housing finance agency Feb-99 1 Decrease in the interest rate on certain house purchase loans 2 Monthly annuity to apply to new loans Jun-99 1 Interest Rates 1998/199 2 Redemptions 3 Household Insurance Reminder 4 Year End Computer Procedures Jun-99 Land Acquisition - Loan Finance Jun-99 Revised Interest Rates on variable rate loans Jul-99 Year End Procedures - 30th June Aug-99 Advances and early redemption of loans 1999/ Nov-99 1 Change in variable interest Rates 2 Provision of Bridging facilities to local authorities Dec-99 1 Revised Interest Rates on variable rate loans Loan Advances in respect of Land Acquisition Mar-00 MPI: Death Claims & arrears on Income Related Loans Feb-00 Early Redemption of Fixed Rate 10% loans in year Feb-00 Interest on Bridging loan
8 Mar-00 Increase in interest on Bridging Loan Mar-00 Revised Interest Rates on variable rate loans May-00 Revised Interest Rates: repayments on fixed rate loans: new rate-setting procedures Jun-00 Interest Rates 1999/ Aug-00 Revised interest rate on variable rate loans Sep-00 Revised interest rate on variable rate loans Nov-00 Revised interest rate on variable rate loans Dec-00 Recoupment of losses on prepaid 10% fixed rate mortgages financed by the Agency in the year to 31 December Feb-01 Recoupment of losses on prepaid 10% fixed rate mortgages financed by the Agency in the year to 31 December Mar-01 Reduction of the interest rate on 5 year fixed rate Tenant Purchase and Affordable Housing loans May-01 Reduction of the interest rate on variable rate loans Jun-01 Interest Rate Changes and Related Matters Jul-01 Conversion of Pre-1986 loans to a global loan Sep-01 Reduction in interest rates from 1 October Jan-02 Reduction in Interest Rates in Bridging Finance Jan-02 Preparation for Rollout of new LABS System (Loan Advances and Billing System) Feb-02 Current Interest Rates Feb-02 Recoupment of losses on 10% Loans May-02 Changes in the Agency's loan rates May-02 Change in the Agency s non mortgage related interest rate Jul-02 Change in the Agency's non-mortgage related interest rate Jul-02 Interest Rates for Pre 1986 & Index-Linked Mortgage Loans Aug-02 The Agency s non mortgage related interest rate Dec-02 Shared Ownership Rental Element 173a 13-Dec-02 Shared Ownership Rental Element- Amendent Dec-02 Reduction in Interest Rates
9 Jan-03 Reduction in the Non Mortgage interest rate Online access to the Agency's six monthly loan charges statements Using Internet Explored, access the Agency's website How to call up Statement reports for the 31/12/ Feb-03 Revised - Redemption of Index Linked to Shared Ownership Loans Apr-03 Recoupment of Losses arising in the year 2002 on 10.5% fixed rate Apr-03 Reduction in Interest Rate May-03 Tenant Purchase and Affordable Housing Loans (5 year fixed) Jun-03 Reduction in Interest Rates Jun-03 Interest Rates for Pre 1986 & Index-Linked Mortgage Loans Dec-03 Mortgage Protection Insurance on Income Related Loans May-05 Supplementary Welfare Allowance Scheme (SWA scheme) Jun-04 Interest Rates for Pre 1986 & Index-Linked Mortgage Loans Feb-05 Recoupment of losses arisisng in the year 2004 on 10.5% fixed rate mortgage Jun-05 Interest Rates for Pre 1986 & Index-Linked Mortgage Loans Oct-05 Online access for Local Government Auditors Dec-05 Increase in interest rates Jan-06 Loans to Local Authorities under the Housing Act 1966, section 56 (2) Mar-06 Increase in interest rates Mar-06 Prepayment of 10% fixed rate mortgage-related loans to local authorities May-06 Lending by the Agency to local authorities for water, waste management and environment projects May-06 Prepayment of 10% fixed rate mortgage-related loans to local authorities-fixed rate Affordable Housing and Tenant Purchase Loans Jun-06 Increase in interest rates Jun-06 Interest Rates for Income Related Loans & Index-Linked Mortgage Loans Aug-06 Increase in interest rates Oct-06 Increase in Interest Rates (Variable Rate Mortgage Loans) Nov-06 Tenant Purchase and Affordable Housing Loans (5 year fixed) Dec-06 Increase in interest rates
10 Mar-07 Increase in interest rates Jun-07 Increase in Interest Rates Jun-07 Interest Rates for Income Related Loans & Index-Linked Mortgage Loans Jun-07 Loans for water, waste and environmental projects - HFA-enabled loan scheme 203 A 05-Jul-07 Loans for water, waste and environmental projects HFA-enabled loan scheme clarification of interest rate/margin to be charged Jun-07 Tenant Purchase and Affordable Housing Loans ( 5 year fixed) Jun-08 Interest Rates for Income Related Loans & Index-Linked Mortgage Loans Aug-08 Increase In Variable Interest Rates Aug-08 Tenant Purchaase and Affordable Housing Loans Oct-08 Decrease in Variable Mortgage Interest Rates Nov-08 Decrease in Variable Mortgage Interest Rates Nov-08 No Circular for this Number ( regarding the New Redemptions work flow was issued instead) Jan-09 Decrease in Variable Mortgage Interest Rates Feb-09 Decrease in Variable Mortgage Interest Rates Mar-09 Decrease in Variable Mortgage Interest Rates May-09 Decrease in Variable Mortgage Interest Rate Jun-09 Decrease in 5 Year Fixed Rate Tenant Purchase and Affordable Housing Loans Jun-09 Income Related Loans (Approved pre 27 May 1986) Jul-09 Loans for Water, Waste and Environmental Projects Sep-09 Supplementary Welfare Allowance Scheme (SWA scheme) to income related loans Dec-09 Decrease in Variable Mortgage Interest Rate on Home Choice Loans Only Jan-10 Loans to Local Authorities under the Housing (Miscellaneous Provisions) Act 2009, Section Jun-10 Interest Rates for Income Related Loans and Index-Linked Mortgage Loan Sep-10 Increase in Variable Mortgage Interest Rate Jan-11 Decrease in Home Choice Loan Interest Rate Apr-11 Increase in Variable Mortgage Interest Rate Jun-11 Interest Rates for Income Related Loans and Index-Linked Mortgage Loans Oct-11 Annuitisation of Land Acquisition & Bridging Finance Loans Nov-11 Decrease in Variable Mortgage Interest Rate Dec-11 Decrease in Variable Mortgage Interest Rate Feb-12 Mortgage Protection Insurance (MPI) for Income Related Loans May-12 Loans to Local Authorities under Section 11 of the Housing (Miscellaneous Provisions) Act, Jun-12 Interest Rates for Income Related Loans and Index-Linked Mortgage Loans Sep-12 Decrease in Variable Mortgage Interest Rates Jun-13 Decrease in Variable Mortgage Interest Rates Jul-13 Interest Rates for Income Related Loans and Index-Linked Mortgage Loans Dec-13 Decrease in Variable Mortgage Interest Rate Jun-14 Interest Rates for Income Related Loans and Index-Linked Mortgage Loans Dec-14 Decrease in 5 Year Fixed Interest Rate Dec-14 Non-mortgage 5 and 10 Year Fixed Rate offering to Local Authorities
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