In 2013 Fergal McGrath, alongside his physicist brother Oran, co-founded Dilosk, a non-bank lender that offers mortgages in Ireland under the ICS brand. Today, he talks to Ciarán about Ireland's mortgage market and Dilosk's place in it. They also discuss the likelihood of an interest rate increase this year amid a spike in inflation and the prospects for house prices in 2022. He also gives his view on the income limits in the Central Bank's mortgage rules and why they could be loosened, and predicts what Irish banking might look like in a decade's time.

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