Kieran O'Donnell (Fine Gael) | Oireachtas source

Yes, because Mr. McLoughlin will appreciate that what we are looking at here, apart from providing mortgages, is what level of funding the bank is providing to building in particular for starter homes and affordable homes for young couples.

My next question follows on from that. The bank provides 3% cash-back. Is it fair to say that existing customers of Bank of Ireland might feel they are subsidising first-time buyers in terms of the mortgage rate being applied to their mortgages?