Avant Money, one of the country’s newest mortgage providers, has said current rules on loan-to-income ratios are a challenge for middle-income earners and that lenders should be able to take rental payments into account when assessing borrowers. I’m joined by Pat Davitt, CEO of the Institute of Professional Auctioneers and Valuers (IPAV).

Listen and subscribe to Newstalk Breakfast on Apple Podcasts or Spotify.

Download, listen and subscribe on the Newstalk App.

You can also listen to Newstalk live on newstalk.com or on Alexa, by adding the Newstalk skill and asking: 'Alexa, play Newstalk'.