Mr. Ed Sibley:

I understand why people are concerned given all that has been said about non-bank entities. I will answer a slightly different question, although I am sure the Deputy will push me on the original one. My advice to any borrower, particularly one in distress, regardless of whether the mortgage is held by a bank or non-bank, is to engage with the lender to work through the issues and to avail of the supports in place through the codes and the wider framework that exists in Ireland.