Jim O'Callaghan (Dublin Bay South, Fianna Fail) | Oireachtas source

We certainly agree that there should not be a difference. However, from the point of view of mortgage holders, am I correct in thinking that they find themselves initially dealing with a regulated bank that sees this as a 25-year or 30-year mortgage and then they find their business transferred to another financial institution that has as its primary objective the recovery of proceeds as quickly as possible? Is that a fair assessment?