Ciarán Lynch (Cork South Central, Labour)
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During your time, we saw 20-year mortgage schedules, which were the standard mortgage schedule at the time, going out to 30 to 35 years. We saw loan-to-values rules changing quite significantly and we saw 100% mortgage products being actually introduced. Did you issue any guidelines on affordability of mortgages or at any time did you express an opinion with regard to 100% mortgages?