Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

I will put the question in another way. For a non-first-time buyer, the Central Bank deems it appropriate that the loan-to-value ratio should be 80%. Is that the case? If I went to Bank of Ireland or Allied Irish Banks and obtained a loan of 80% of loan-to-value and then decided to switch, would I be able to avail of a 90% loan in the switching process?