Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

I am not misinterpreting the figures. What I am telling the Minister comes from the Banking and Payments Federation's reports. They are telling us that there were 3,399 mortgage approvals in September 2016. Of those, 1,605 were for first-time buyers. If we measured that out over a 12-month period, we would see a figure for first-time buyers' mortgage approvals of 19,260. There would be in excess of another 20,000 approvals made up of remortgages, top-ups and so on. The issue-----