Kieran O'Donnell (Fine Gael) | Oireachtas source

I will touch on a few areas. The big issue at the moment is in the area of mortgages and first-time buyers. I want to go through the practicalities. Am I correct in saying that in answer to questions Nos. 9 and 10 in the questionnaire the witnesses provided us with, they say that the loan-to-value ratio for first-time buyers is 80% and the average mortgage for a first-time buyer is about €175,000? If that represents 80%, then the value is about €219,000, which is below the €220,000 limit. Is that circumstantial?