Housing - adult section

There are now more than 1,400 pwCF  in Ireland, and by the end of 2024, 62% were adults (CFRI 2024). This is great news and reflects years of hard work, campaigning, research, and improvements in CF care. However, as people with CF live longer, new challenges are emerging — especially around living independently.

In 1998, 74% of adults with CF lived with their parents, but by 2017, that number had dropped to 43%. Despite this progress, housing remains a major issue for many adults with CF. Their choices are often limited to renting privately, buying a home, or applying for local authority housing. Many adults with CF are educated and working, which can make them ineligible for social housing. Private renting can also be difficult — especially living in shared accommodation, which became more risky during the COVID-19 pandemic and led some people to move back home.

Living independently continues to be an important goal for many people with CF. Cystic Fibrosis Ireland (CFI) has seen a big increase in housing-related questions, showing how needs are changing as more people live longer and healthier lives.

To help address these challenges, CFI hosted a webinar called “A Place to Call Home,” which explored housing issues and the mortgage process for people with CF. You can watch the recording below and find useful resources linked underneath. Please note that some details may have changed since the webinar was first recorded.

Can I get a mortgage?

People with CF often ask: Can I get a mortgage? Can I get mortgage protection insurance?

  • Mortgage: Yes, you can.
  • Mortgage protection insurance: Usually no, due to CF.

Irish law requires mortgage protection insurance, but you can apply for a waiver by showing three written refusals from insurers. Banks aren’t obliged to accept this; approval depends on your overall financial situation.

 

What about Life insurance?

While mortgage protection is rarely granted, some insurers offer short-term life cover (3–10 years) at higher premiums. 

Tips:

 

If you have any queries on housing please contact us here in CF Ireland.
Email info@cfireland.ie or phone 01 496 2433. You can also speak to Rory directly on 087 932 3930 or email rtallon@cfireland.ie

Housing Presentation Member Services Download
Housing Presentation by Rory Tallon Download