Ms Dara Deering:

If they are new customers, say, customers who no longer have a relationship with KBC and whose loans on buy-to-lets were sold, obviously, we will assess their individual circumstances at that point in time and their ability to take out a mortgage. If they were customers of other financial institutions, their mortgages had been sold and they came to KBC to fund additional debt, we will look at their cases on an individual basis. People would not be disadvantaged because their loans had been either sold to someone else or were with another provider. It is all down to the individual circumstances of the customer and, if he or she is buying a property, the value of the property he or she is purchasing.