John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

The loan scheme is fine but I would like to see banks deal with the other issue, which is people who want to get into the mortgage market and cannot do so. Young couples are watching property going up in value and watching the difficulties for them increase. The bank must meet them in some way in terms of how to get them onto the property ladder. That is the issue. People are trying to get on to the property ladder in a constructive manner, but they have all the obstacles before them. The banks have found imaginative ways to give loans and accommodate people. Attention must be given, and perhaps by the Government, to ensure that such individuals and couples get loans.