A new lender is entering the Irish mortgage market.
Australian company Pepper will initially operate in a 20-strong broker network in the greater Dublin area, Galway, Cork and Limerick, but is expected to grow in time.
It is aimed at first time buyers, those switching lenders and investors and it is hoped its entry to the market will lead to lower rates from other institutions.
Pepper's Chris Helme said the company would also cater for people with previous credit problems.
He said: "They can have had some sort of life event (like losing their job), but in the last two years they've managed to restore their financial affairs and been up to date for that period.
"We don't feel that's a sector of the market that's being serviced today."
Chris Helme also admitted the company's rates will not be the lowest available, saying: "We're here to offer choice to customers, not to be the most competitive.
"We will look at every single case and individual on their own merits."