The Irish housing system is broken and that manifests itself in about a dozen ways. But one of the big problems is that young people struggle to buy their first home. Buying a home is hard for three reasons: House prices are high relative to incomes, banks are stingy with credit, and high rents make it difficult to save.  While they try to get on the ladder, would-be buyers are in the rental market. The rental market is not a good place to be at the moment. Tenants are at risk of the home being sold out from under them;…

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