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Micheál Martin, Mary Lou McDonald and Simon Harris at last night's debate. RollingNews.ie

We read manifestos so you don't have to: Here's what the 3 big parties promise on 3 key areas

A look at what Fine Gael, Fianna Fáil and Sinn Féin say they will do if they get into government.

WITH JUST TWO days until Ireland goes to the polls, here are the main points from the manifestos of the three largest parties in the State on housing, health and the cost of living.

Fianna Fáil, Fine Gael and Sinn Féin have all published policy documents of varying sizes laying out their promises, vision and ambitions for the future, with some major differences between them.

Firstly, it’s worth noting how the three parties have framed their proposals.

The first sections of each party’s manifesto align with how each of the parties have been trying to differentiate themselves ahead of this election.

Fine Gael and Simon Harris’s stated ambition of making Ireland one of the best countries to be a child.

Fianna Fáil and Micheál Martin’s repeated refrain that the next government needs to “understand” and be committed to Ireland’s economic model.

And Sinn Féin’s core message has been housing, housing, housing.

Cost-of-living

USC

Sinn Féin’s core cost-of-living proposal is abolishing the Universal Social Charge on all income up to €45,000. It says this would put an average of €1,100 back in workers’ pockets every year.

Fine Gael by comparison has promised increase the entry point at which workers pay USC. 

At the moment, workers pay 3% USC on earnings above €27,382 annually. Fine Gael says it will increase this to €40,000. 

On earnings above €70,044, workers currently pay 8% USC. Fine Gael says it will increase this to €75,000.

Meanwhile, Fianna Fáil wants to cut the lower rate from 3% to 1.5% at a minimum over the lifetime of the government.

Income tax and tax credits

Currently, workers begin paying the higher rate of tax, 40% on income over €44,000 annually. 

Sinn Féin has pledged to increase the entry point to the higher rate of income tax by €4,000, meaning workers would only pay it on earnings above €48,000. It has also pledged to increase tax credits by €200.

Fine Gael wants to increase the entry point to the 40% rate of income tax by at least €2,000 each year, bringing the entry point to €54,000 annually by 2030.

On tax credits, it pledges to increase these by €75 annually.

Fianna Fáil wants to increase the entry point to the higher rate of tax to €50,000 annually, while on tax credit it wants to increase them by €100 annually.

Childcare

All three parties have pledged to cap childcare costs at €200 per child per month.

Means test for carers

All three parties have pledged to abolish the means test for carer’s allowance over the lifetime of government.

Currently, to qualify for the payment, carers must demonstrate that their household income is under a certain level – a system carers have long argued is unfair and fails to recognise the vital work they do. 

Minimum wage

Minimum wage in Ireland rose to €12.70 per hour at the beginning of this year. 

However, this is deemed to be below a Living Wage, a concept that looks at wages through the lense of what provides a minimum acceptable standard of living. This is currently €14.75 per hour in Ireland. 

Sinn Féin has pledged to increase the minimum wage by €1.10 per hour in 2025 and to work towards the introduction of a Living Wage. 

Fianna Fáil and Fine Gael’s manifestos do not outline any proposed increase to the minimum wage or make reference to a Living Wage.

State pension and retirement

Fianna Fáil and Fine Gael are both promising to increase the State pension to a minimum of €350 per week. Currently, the State pension sits at €289.30 per week.

Sinn Féin has pledged to increase it by €50 a week.

All three parties have also pledged to legally enable people who want to work beyond 65 to continue to do so.

Fianna Fáil has also promised to maintain the retirement age at 66.

Sinn Féin, meanwhile, has pledged to deliver the right to retire on a state pension at 65 years. Currently, it is accessible at 66 years of age.

Housing

How many houses does each party want to build?

Each of the three parties has settled on a similar overall target of roughly 300,000 homes by 2030.

Fianna Fáil wants to reach 60,000 new homes per year by 2030, including an average of 10,000 affordable homes per year and 12,000 social homes per year.

Fine Gael says it is committed to delivering 300,000 new homes by 2030. It wants 50% of these in the five major cities – Dublin, Cork, Limerick, Galway and Waterford – and 50% elsewhere.

Included in this is 9,000 affordable homes and an average of 11,000 social homes annually by 2030.

Sinn Féin has committed to delivering 300,000 new homes between 2025 and 2029.

This would include 125,000 social, affordable purchase and affordable rental homes and 115,000 private market homes.

By 2030 it says it would deliver over 370,000 homes.

Where do the parties stand on government housing schemes?

Fianna Fáil has pledged to “protect and extend” Help to Buy (the scheme that gives first-time buyers some tax back to pay for their house deposit) until 2030 and include a “rent back boost” in assessing payment levels.

It also wants to “protect and extend” the First Home scheme (the shared equity scheme that supports first time buyers to bridge the gap between their mortgage and deposit) and roll it out on second hand properties.

On the vacancy and refurbishment grants, it also wants to “protect and expand” these until 2030 and increase them by €10,000.

Fine Gael also wants to protect both the vacancy and dereliction grant schemes until 2030, but does not mention increasing them, instead, it commits to releasing half the funds before the project is completed to help with cashflow issues.

On Help to Buy, Fine Gael also wants to extend it until 2030, but has differentiated itself from Fianna Fáil with a commitment to increase the tax back amount from €30,000 to €40,000.

Just like Fianna Fáil, it has also pledged to extend the First Home Scheme to 2030 and extend it to second hand homes.

Sinn Féin’s pitch to voters is a bit different.

A core tenet of it is the introduction of an affordable housing scheme for households with a combined income of under €90,000 annually and cheaper cost rentals of under €1000 per month for households with a combined salary of under €66,000 annually.

Under the affordable housing scheme, Sinn Féin has said house prices will range from €250,000 to €300,000 depending on the location.

It has also committed to ending what it deems an “inflationary and wasteful” First Home Scheme and phasing out Help to Buy by 2030.

Other commitments worth noting on housing are:

  • Sinn Féin has also pledged to introduce 100% redress to all homeowners impacted by defective buildings. By contrast, Fianna Fáil and Fine Gael have pledged to review existing schemes.
  • Fianna Fáil wants to introduce a €2,500 tax credit for legal, surveying and valuation fees for first time buyers. It also wants to create 2,000 Housing First tenancies to help eliminate long-term homelessness and ensure full draw down of Traveller accommodation funds.
  • Fine Gael has pledged to increase the rent tax credit to €1,500 and extend the Landlord Tax Credit until 2030 for landlords who stay in the rental market.
  • Fianna Fáil has pledged to increase the rent tax credit to €2,000 annually. Sinn Féin by comparison has no mention of a rent tax credit.
  • Sinn Féin are however, the only of the three to pledge to end long-term homelessness and the need to sleep rough by 2030.

Health

Fine Gael reaffirms its commitment to Sláintecare and pledges an additional 5,000 inpatient hospital beds by 2031.

It pledges to grow the health workforce and at least double the number of college places for Physiotherapy, Occupational Therapy, and Speech and Language Therapy.

It also pledges to increase training places for nurses, doctors, pharmacists and dentists.

Fine Gael has also committed to expanding health screening programmes across a number of areas, including cancer and breast check.

It also promises to continue to expand free GP care to all under 18s and lower the monthly costs of prescriptions to €50.

You can read through Fine Gael’s health commitments in its manifesto here, from pages 79-90.

By comparison, Sinn Féin talks about taking “big, bold steps” towards universal healthcare.

It outlines how its two priorities are delivering fully universal public healthcare by 2035 and delivering free prescription medicines for all households, abolishing prescription charges for medical cardholders and delivering median-income medical cards.

Central to the party’s proposals is a plan to deliver a landmark public GP contract, employing 250 public GPs and increasing GP training capacity by 60%.

Matching Fine Gael, it also pledges an additional 5,000 hospital beds by 2030.

You can read more about Sinn Féin’s full health proposals here.

Fianna Fáil by comparison has promised an additional 4,000 hospital beds and a further 100 ICU beds.

Fianna Fáil wants to extend free GP care to all children under 12 years of age.

It also wants to reduce the drugs payment scheme from €80 monthly to €40.

Both Fianna Fáil and Fine Gael pledge to expand access to publicly funded IVF in their manifestos and ensure Hormone Replacement Therapy is available at no cost to all who need it.

On drugs, Sinn Féin makes no commitments in its manifesto around decriminalising drugs. Fianna Fáil on the other hand has pledged to decriminalise certain drugs only, likely cannabis.

Similarly, Fine Gael also mentions a health-led approach for people in possession of drugs for personal use.

You can read more about Fianna Fáil health proposals here from pages 52 – 68.

  • How do all of the political parties compare on their stances on Gaza? Read here.

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    Mute Big Yellow Crane
    Favourite Big Yellow Crane
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    Oct 20th 2014, 10:48 AM

    Sounds good but how many are just annual overdraft renewals?

    42
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    Mute George Grey
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    Oct 20th 2014, 10:51 AM

    Yes…you’re right…overdraft renewals and in a lot of cases overdrafts being transformed into loans. Banks are still keeping the screws on where small shops and service sector business is concerned.

    31
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    Mute Frederick Constant
    Favourite Frederick Constant
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    Oct 20th 2014, 11:58 AM

    I think the important question is “how sustainable is the business?” It’s all about context. Simply referring to SMEs as some sort of a business description is nonsensical: SMEs range from a one-horse shop selling Hunter wellies in Finglas, to a EUR 50m turnover company with 249 employees supplying medical medical devices to Boston Scientific. One’s a really good bet, the other better be really good…

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    Mute Hartman Kappler
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    Mute Denis Reidy
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    Oct 20th 2014, 11:00 AM

    An approved loan does not mean a lot, just better statistics to keep the Government off their backs

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    Mute zozimus
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    Oct 20th 2014, 11:01 AM

    I sincerely doubt they’re approving that much. They told us we could have some investment money if we already had the money to begin with. They wouldn’t accept property as collateral :)

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    Mute John Mckiernan
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    Mute Walt Kowalski
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    Oct 20th 2014, 12:13 PM

    Their loan restructures also involve drawing down a new loan and a positive lending statistic for them.

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    Mute Walt Kowalski
    Favourite Walt Kowalski
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    Oct 20th 2014, 12:29 PM

    Also , we recently applied for an increase in our business overdraft limit with BOI as currently it is only 30% of monthly turnover and in our contracting business is limiting any chance of real growth. No problem we were told!

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    BOI would get positive lending statistics for the overdraft increase and for the loan to secure that overdraft increase. They would also get the interest on the overdraft as well as the loan. I declined naturally and have to shelve plans to increase sales. The work is available but we dont have the credit to do it… great little country to di business in.

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    Mute Aaron O'Gorman
    Favourite Aaron O'Gorman
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    Oct 20th 2014, 1:44 PM

    From first hand experience with bank of Ireland they have gone completely impersonal so it’s easier to say no. They are doing there damnedest to find reasons to say no

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    Mute Joseph O'Regan
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    Oct 20th 2014, 12:08 PM

    How many are Irish water contractors?

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    Oct 20th 2014, 12:27 PM

    SHOW ME THE MONEY !

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    rate of 2%. In order to get a loan with this company, you can tell the exact amount of
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    NOTE: You are required to email us on:(carsongrantloanhome@gmail.com)

    1
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    Mute Ken Sarah
    Favourite Ken Sarah
    Report
    Mar 17th 2017, 10:29 AM

    Hello.

    Greetings, i’m Hogg Geoffrey Graham from LA, I am very happy to receive a loan from the European part of the world, they gave me a loan to settle my hospital bills, They saved me from loosing my house. this message might be of help to you guys that also need a loan in other not to go the wrong side in your search you have to contact this company Michael Clinton Loans. Via E_mail: michaelclinton273@gmail.com

    Regards.

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    Mute Chongie Loans
    Favourite Chongie Loans
    Report
    Mar 18th 2017, 12:53 PM

    Are you in financial need?we offer all kind. we offer the best at a low interest rate, search no further, Contact us now :email:

    EMAIL: chongieloans@aol.co.uk
    WEB SITE: http://www.chongieloans.webs.com

    Best Regards
    Chongie B.l.A
    Chongie Financing Plc.

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    Mute Faith Frank
    Favourite Faith Frank
    Report
    Jun 14th 2015, 12:24 AM

    Good day,

    You are welcome to the Believers Investment Achievement. This
    loan agency is owned by the Christian Church Organization and is set
    to help the needy so that poverty and suffering can be definitively
    eradicated from the world. We are registered and regulated by the
    Authority of borrowing money and all our financial transactions are
    overseen by the government.

    We offer both personal and business loans capital base between
    the amounts of $ 2,000.00 to $ 500,000,000.00 US dollars, European
    Euro or GB pounds for individuals, businesses and cooperate bodies
    irrespective of their marital status, sex, religion and the location,
    but you have a legal means to repay the loan in the stipulated time,
    and must be trustworthy with interest rates as low as 3%.

    If this meets your expectations, then we can move on, I’d like
    you to tell the exact amount you are applying for such loan and the
    urgency of this transaction for additional procedures that you need to
    fill and submit the required information below:

    DETAILS OF APPLICANT:

    Name of applicant:
    * Address of applicant:
    * City:
    * State:
    * Country:
    * Gender:
    * Marital status:
    * Age:
    * Rate Monthly income:
    * Occupation:
    * Tel: / Mobile:
    * Mobile:
    * Amount Requested:
    * Length of Loan:
    * Purpose of loan:
    * Do you speak English:
    * Email:

    We await your response.

    Yours sincerely,
    Miss. Angela
    Secretary

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    Mute Collins Evans
    Favourite Collins Evans
    Report
    Apr 20th 2015, 4:28 PM

    Do you need an urgent loan we offer worldwide loan to who in need of loan the business opportunity you having being looking for is here again. email osmanloanserves@gmail.com

    LOAN APPLICATION FORM
    1) Full Name:
    2) Gender:
    3) Loan Amount Needed:.
    4) Loan Duration:
    5) Country:
    6) Home Address:
    7) Mobile Number:
    8)Monthly Income:
    9)Occupation:
    )Which did you here about us.
    Email osmanloanserves@gmail.com

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    Mute Collins Whit
    Favourite Collins Whit
    Report
    Jan 12th 2016, 11:55 PM

    We give out individual loans and public loans, such as company loans, commercial loans, investment loans, and many more. With short and long term services schedule and also with an affordable interest rate of 3% only. For more information about our genuine services, kindly contact us via email collinsfinanceoffer@gmail.com

    LOAN APPLICATION FORM
    Full Name:
    Amount Needed:
    Duration of Loan:
    Purpose of Loan:
    Contact number:
    Country:
    State:
    Sex:
    Regards
    Email: collinsfinanceoffer@gmail.com

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    Mute Universals Loan
    Favourite Universals Loan
    Report
    Jun 27th 2016, 2:32 PM

    We represent a Funding Source that shares the desire to engage in the high-risk, high-return potential business of “investment financing . Universal Loans is making large ring around the globe with the online finance, we provide capital to entrepreneurial companies and serious individuals who seek to make investments in the area of infrastructure and construction development such as Personal Loan, Business Loan, Mortgage Loan, House Loan, or any kinds of loan required. We grant personal and Mortgage loan our interest rate is affordable at the rate of 2%. Our career has been built around leading and developing investments and projects, from ideal to successful launch and target driven performances. I urge you to come up with the detailed plan of any loan you would want us to finance. Email us for more info: Universalfinancial_homeloans@fastservice.com

    1
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    Mute Hobmaier Eewin Franz
    Favourite Hobmaier Eewin Franz
    Report
    Jun 2nd 2016, 10:17 AM

    Attention !!! Loan Offer

    i am Mr Ramzan a private loan lender. we are given out all kinds of loan, we give out loans at a low interest rate of 3% and good working conditions, if you need a loan for business or to pay off your bills then you are advised to contact us for we render quality services that will make you satisfied. email: ramzan_help@hotmail.com

    LOAN SERVICES AVAILABLE INCLUDE:
    ================================
    *Commercial Loans.
    *Personal Loans.
    *Business Loans.
    *Investments Loans.
    *Development Loans.
    *Acquisition Loans .
    *Construction loans.
    *Business Loans And many More:

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will profit you? and you don’t know what to do.

    we render all kinds of loan in good services, contact us via email: ramzan_help@hotmail.com
    Thanks
    Mr Ramzan

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    Mute Jennifer Raff
    Favourite Jennifer Raff
    Report
    Nov 10th 2016, 5:43 PM

    I’m Jennifer Raff by name. I live in USA, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mr.Larry Scott who lend me an unsecured loan of $85,000 under 2hours without any stress. If you are in need of any kind of loan just contact him now via: scottlarry918@gmail.com I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr.Larry Scott i pray that God should give him long life.

    God bless him forever.

    Jennifer Raff

    1
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