Sinn Féin has announced an Affordable Homes Plan aimed at delivering 30,000 homes in the next six years, priced between €250,000 and €300,000. Under the proposal, the State retains land ownership, raising concerns from Fianna Fáil and Fine Gael about mortgage lending. The Banking & Payments Federation Ireland highlights legal complexities regarding property titles as a barrier to financing. Sinn Féin proposes a solution where lenders can secure charges on land in case of default, with the State intervening for borrowers facing genuine hardship. A resolution with banks may take 12 to 15 months.