Local Authority Home Loan (LAHL)

Applying for a Local Authority Home Loan (LAHL) is a lengthy and complicated process.  With the DORAS Portal LAHL module applicants can provide all of the necessary information online, including uploading all of the relevant back up documents. Only completed applications are submitted, greatly speeding up this process. In addition, applications that fail to meet the minimum qualifying criteria cannot be submitted.

Because all the data is stored electronically interfacing with third party systems, such as, underwriters and credit committees is easy.

Council staff are benefiting from less paper handling and therefore less space storage and risk of loss. Average processing time targets are being met and in some cases exceeded where before they were rarely achievable.

We are in the early stages of dealing with online loan applications but already we can are seeing the benefits; less paper handling, and therefore less space storage and risk of loss. In addition, our target average processing time of under 12 weeks is now realistic and achievable.
Ciaran Staunton ~ Fingal County Council

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