Ms Dara Deering:

It is a very hard question. The nature of work is changing considerably so we look at what profession the person is in. We ask if it is typically a contract profession and what the likelihood is of getting a job after five years. We ask if they have worked before the current contract and we look at the whole picture, but people on contract can certainly take a mortgage. They are not excluded, but we have to make sure that, when the contract is finished, their likelihood of getting a job with a similar salary level, so that they can afford the mortgage, is high.