Mr. Brendan Burgess:

In some cases it does. That is the case if they have a restructured mortgage, if they are in arrears or if they are still restructured and have not been clean for five years. However, in some cases they can go. One of the lenders which is most open to considering people with a hiccup in their past for mortgages is Bank of Ireland. It is more flexible than the others. A lot of the others say "No." They see that a credit card payment was missed three years ago and tell the applicant to come back when it is no longer on their central credit register, CCR, record. Bank of Ireland does look at cases, so that is something worth considering.