https://m.independent.ie/irish-news/politics/housing-for-all-at-a-glance-ten-things-the-government-says-it-will-do-to-solve-the-housing-crisis-40813259.html

I was running some calculations and it will take me 5 years (at least!) to be able to apply for a mortgage for a 80 year-old house, because of the lump sum. My montly mortgage would be less than half I’m currently paying for rent.