Mr. Tom Murray:

I will take the second part of Deputy O'Reilly's question. Non-Irish-born EU citizens are not covered under the free movement of people directive and it is not addressed in the current withdrawal agreement or the Northern Ireland protocol. There is no guarantee of free movement of people. For example, if a building contractor is working on both sides of the Border and has a Polish employee, nothing allows for the free movement of that employee across the Border, North and South. There is an expectation of some bureaucratic arrangement being put in place, but that has not been established yet.

People working on either side of the Border are finding it extremely difficult to get mortgages through the banking and financial institutions because they are not applying same multiple of salary to people who work and live on either side of the Border. For example, a couple living in Donegal where one works in Derry and one works in Donegal do not get the same multiple applied to their mortgage application and they are having serious difficulty in obtaining funding for mortgages.