Tom Barry (Cork East, Fine Gael) | Oireachtas source

Mr. Bell and I will agree to differ on that point.

If a person moves into a restructured arrangement for a business which has a core or non-core debt or in circumstances in which he or she is moving from being a sole trader to a limited company, the interest rate is likely to increase on the basis that many of them will have borrowed at a very favourable rate. In such cases, Ulster Bank will already hold the title, for example, where the person is a farmer. Does Ulster Bank ask customers in such circumstances to bear the full costs of perfecting the title for a second time? Does the customer have to pay the bank's legal fees? While I accept this is not directly related to mortgages, it also involves restructuring.